WEBVTT - 12-22-25 Scott Sloan Show 0:00:00.160 --> 0:00:02.400 Don't want to be an American idiot. 0:00:02.759 --> 0:00:05.800 In one of the final after President Joe Biden way 0:00:06.120 --> 0:00:09.799 student loans about one hundred and fifty thousand people, you know, 0:00:09.920 --> 0:00:11.080 just kind of a little tip of the hat is 0:00:11.080 --> 0:00:13.760 he headed out of office about a year ago on 0:00:13.880 --> 0:00:15.960 that though, It's not like, you know, the Trump administration 0:00:16.000 --> 0:00:17.760 has righted a lot of those wrongs, which is simply 0:00:17.800 --> 0:00:20.000 have forgotten about this meant, the total US debt is 0:00:20.000 --> 0:00:23.200 almost two trillion dollars in student loans, the average borrow 0:00:23.280 --> 0:00:27.240 ohs over thirty nine thousand dollars per person, and so 0:00:27.320 --> 0:00:29.320 many more have defaulted on those loans as well. 0:00:29.360 --> 0:00:33.279 Delinquency rates are high, the repayment timelines are question well 0:00:33.280 --> 0:00:35.120 at this point, where do things stay in relative this 0:00:35.200 --> 0:00:37.800 and how do we solve this? Allen Clinch is the 0:00:37.800 --> 0:00:39.640 founder of Studentloan Justice dot org. 0:00:39.720 --> 0:00:39.960 Ellen. 0:00:39.960 --> 0:00:40.760 Welcome back, Ay. 0:00:40.600 --> 0:00:42.159 Ben, Good morning, Scott. 0:00:42.560 --> 0:00:45.600 We saw default rates spike after COVID and then once 0:00:45.600 --> 0:00:48.680 we return to payment or try to anyway, where are 0:00:48.680 --> 0:00:51.040 we headed to now relative to the default cliff? 0:00:51.479 --> 0:00:54.960 Yeah, that's right, Yeah, we are headed for a mass default. 0:00:56.560 --> 0:01:00.880 People are just done. People. You know, so many people 0:01:00.880 --> 0:01:04.320 have been paying for years and years and years under 0:01:04.600 --> 0:01:08.759 any one of the alphabet soup of already existing income 0:01:08.880 --> 0:01:12.360 driven repayment plans. There's been four since nineteen ninety five, 0:01:13.120 --> 0:01:17.960 and the disqualification rate for these IDR programs is upwards 0:01:17.959 --> 0:01:20.479 of ninety percent. And so. 0:01:22.760 --> 0:01:25.880 It is a huge crisis. Yeah, there's no I mean, 0:01:25.920 --> 0:01:27.320 if you don't have the money, you don't have the money. 0:01:27.520 --> 0:01:29.679 I get that. And it's it's easy to wag your 0:01:29.680 --> 0:01:31.480 finger at young people and say it's your fault. But 0:01:32.600 --> 0:01:36.000 and I get that too, But I'll be honest with you, 0:01:36.040 --> 0:01:38.160 the plans that I've seen from both Trump and Biden 0:01:38.400 --> 0:01:40.600 don't really address the issue. I mean, for giving a 0:01:40.640 --> 0:01:42.840 loan during COVID, I guess we can suspend that. That's 0:01:42.840 --> 0:01:46.520 all fine, But there's no accountability here for universities. That's 0:01:46.560 --> 0:01:48.760 why I don't like the entire ballout system. The way 0:01:48.800 --> 0:01:52.080 it's been proposed and structured is so what happens is, fine, 0:01:52.080 --> 0:01:54.280 we're gonna we're gonna wind up wiping all this debt out, 0:01:54.360 --> 0:01:57.240 all right, Well, what then happens, Well, universities will raise 0:01:57.240 --> 0:02:00.200 their prices even more because students will have that extra 0:02:00.240 --> 0:02:02.560 money to pay students who took on huge levels of 0:02:02.640 --> 0:02:05.520 debt will be able to you know, turn that towards 0:02:05.520 --> 0:02:08.280 the government, meaning me and you to pay that pick 0:02:08.320 --> 0:02:11.799 up the tab and politicians score points with young voters 0:02:11.840 --> 0:02:15.680 who seldom turn out in order to get elected or reelected. 0:02:16.360 --> 0:02:18.400 So it serves all those interests, but it doesn't solve 0:02:18.440 --> 0:02:18.880 the problem. 0:02:19.000 --> 0:02:19.160 Right. 0:02:19.200 --> 0:02:22.440 The problem is you keep subsidizing college, you get more 0:02:22.560 --> 0:02:26.120 and more and more expensive. That's really the problem here, 0:02:26.120 --> 0:02:27.720 and it's not addressed in any of these plans. 0:02:29.320 --> 0:02:33.320 I actually almost completely agree with you. I mean, the 0:02:33.600 --> 0:02:38.320 lending system is a large catastrophic failure at this point, 0:02:38.360 --> 0:02:42.160 but the loans will not be paid. So ultimately the loans, 0:02:42.200 --> 0:02:45.800 at this late day, they will be canceled. But you 0:02:45.919 --> 0:02:50.640 raise excellent points. You know, canceling student loans solves nothing 0:02:51.880 --> 0:02:53.320 the price for all. 0:02:53.240 --> 0:02:55.919 The reasons that you mentioned, and you. 0:02:55.880 --> 0:02:58.600 Know, the core of this problem, Scott, why is in 0:02:58.680 --> 0:03:01.880 the fact that, unlike every loan in this country, student 0:03:01.919 --> 0:03:06.200 loans have been uniquely stripped of the most fundamental consumer 0:03:06.280 --> 0:03:11.400 protections you can imagine, mainly bankruptcy rights. So the family 0:03:11.480 --> 0:03:16.120 Father has called for bankruptcy rights, uniform bankruptcy rights in 0:03:16.160 --> 0:03:19.480 the constitution ahead of the power to you know, raise 0:03:19.520 --> 0:03:22.440 an army and declare war. And this has been stripped 0:03:22.520 --> 0:03:26.560 uniquely from student loans. And this really is the lynchpin 0:03:27.120 --> 0:03:32.120 that is enabled this runaway spending, run well, runaway charging 0:03:32.280 --> 0:03:36.480 tuition prices and so court by the colleges, no accountability. 0:03:37.440 --> 0:03:40.600 And you know, counseling loans is all good and well, 0:03:40.680 --> 0:03:42.920 but if you don't change the underlying system, then we're 0:03:42.920 --> 0:03:45.760 going to be right back where we are now in 0:03:45.800 --> 0:03:46.440 a few years. 0:03:46.520 --> 0:03:49.080 The system, the system from top to bottom has messed up. 0:03:49.080 --> 0:03:52.280 I mean, if you go back to the nineteen sixties, seventies, 0:03:52.920 --> 0:03:55.360 I think it was eighteen percent of family income is 0:03:55.400 --> 0:03:58.640 what tuition was, which is manageable sixty five. That's when 0:03:58.640 --> 0:04:00.280 the government says, hey, you know what, we're going to 0:04:00.280 --> 0:04:04.080 guarantee student loans now. And then Sally May gets involved. 0:04:04.080 --> 0:04:07.400 And by seventy eight, as all these government programs, more 0:04:07.440 --> 0:04:10.320 government gets involved, the more they screw things up. Tuition 0:04:10.400 --> 0:04:13.760 and fees crept up to what almost fifty percent of 0:04:13.800 --> 0:04:18.760 a family income today. It's a totally government controlled problem. 0:04:18.839 --> 0:04:22.560 Because they stepped in guaranteed, subsidized for gave loans. They 0:04:22.560 --> 0:04:24.680 have the power of the pen, and all it does 0:04:24.760 --> 0:04:28.280 is encourage universities and colleges to hike their prices up 0:04:28.360 --> 0:04:31.680 because they're getting free money. It's a simple solution if 0:04:31.680 --> 0:04:34.240 you've got government out of this, because I'm guessing back 0:04:34.279 --> 0:04:36.719 in the sixties and seventies, you take out a private 0:04:36.760 --> 0:04:39.679 loan like you would for anything else, or you simply 0:04:39.880 --> 0:04:41.920 the cost to be affordable for a family to pay 0:04:41.960 --> 0:04:43.360 out of pocket. That's not true. 0:04:43.120 --> 0:04:47.520 Anymore, No, that's exactly right. And you know, in some states, 0:04:47.520 --> 0:04:51.320 particularly a lot of the Southern states, average student loan 0:04:51.360 --> 0:04:57.359 that in those states exceeds the yearly earnings of the 0:04:57.960 --> 0:05:01.680 average earners there in those states. But you know, Ohio 0:05:01.839 --> 0:05:06.040 is actually terrible as well, seventy five billion dollars in 0:05:06.200 --> 0:05:10.280 mostly federal student loan debt across the country. And it's 0:05:10.640 --> 0:05:13.920 this sort of rampant inflation that just can't be allowed 0:05:13.920 --> 0:05:17.680 to continue. Now, we as a group student on Justice 0:05:17.680 --> 0:05:21.159 dot Org, we've been pushing probably eighty percent of our 0:05:21.240 --> 0:05:25.520 our efforts have been towards getting the right of bankruptcy 0:05:25.640 --> 0:05:28.320 returned to these loans, not so that everybody can run 0:05:28.360 --> 0:05:30.640 out and file. That won't happen. Nobody wants to foilve 0:05:30.640 --> 0:05:35.719 for bankruptcy but rather because bankruptcy serves to constrain the 0:05:35.839 --> 0:05:40.880 lending side, it makes it ensures good faith in the 0:05:40.960 --> 0:05:45.760 lending relationship. But more, maybe more importantly, it guarantees rational 0:05:46.480 --> 0:05:51.200 sort of market based prices. You know, it prevents the 0:05:51.240 --> 0:05:54.520 price of the commodity being purchased from getting out of control. 0:05:55.040 --> 0:05:59.200 And so if there is even to be a federal 0:05:59.240 --> 0:06:02.039 student owned program, I'm going forward, and I'm not sure 0:06:02.040 --> 0:06:04.440 the government really is I should be in. 0:06:04.360 --> 0:06:05.720 The lending business at this point. 0:06:06.240 --> 0:06:09.520 Not very good consider consider our federal debt right now. 0:06:09.600 --> 0:06:10.480 Yeah. 0:06:10.560 --> 0:06:15.279 Yeah, but if they are, at a minimum, whatever loans 0:06:15.720 --> 0:06:18.400 that they want to use to fund higher education in 0:06:18.400 --> 0:06:21.520 this country, they've got to have all the consumer protections, 0:06:21.560 --> 0:06:24.440 most notably bankruptcy rights that every. 0:06:24.200 --> 0:06:28.279 Other loan for every other borrower has. We think that's 0:06:28.520 --> 0:06:30.520 really the core of the problem. And you know, if 0:06:30.560 --> 0:06:32.920 they had returned bankruptcy to student loans back when we 0:06:33.000 --> 0:06:36.960 started our group eighteen long years ago, there would be. 0:06:36.920 --> 0:06:38.599 No student loan crisis today. 0:06:39.720 --> 0:06:44.320 The Department of Education in Congress would be very much 0:06:44.320 --> 0:06:48.640 more judicious in how much they lend out and maybe 0:06:48.640 --> 0:06:50.800 even for what sort of programs. 0:06:51.160 --> 0:06:53.720 Well, I think that's interesting. You bring that by the ways, 0:06:53.720 --> 0:06:57.200 Allen Collin, jac president of Student Loan Justice at organ 0:06:57.240 --> 0:06:59.400 normally we probably we actually are agreeing on a lot 0:06:59.400 --> 0:07:01.280 of stuff here because I hear a student loan justice 0:07:01.279 --> 0:07:02.680 and think, well, you know, we're just gonna get free 0:07:02.680 --> 0:07:05.640 money away, make college free. That's not really what you're saying. 0:07:05.680 --> 0:07:07.960 And I agree on some points there's no way these 0:07:08.000 --> 0:07:09.920 young people are generally young people going to be able 0:07:09.920 --> 0:07:12.600 to pay these loans back. We're seeing a seventy five 0:07:12.600 --> 0:07:15.760 percent default rate that is just catastrophic. But I guess 0:07:15.800 --> 0:07:17.880 when I think about bankruptcy, which you're right, it does 0:07:17.960 --> 0:07:20.240 keep the lenders in check, going okay, is this a 0:07:20.280 --> 0:07:23.400 good risk? But here's what's going to happen, right, And 0:07:23.440 --> 0:07:25.800 it's two sides of the same coin. There's gonna be 0:07:25.920 --> 0:07:30.160 arguments and going, well, now you're stifling you know, higher 0:07:30.440 --> 0:07:32.920 institutions of higher learning and what people are going to 0:07:33.000 --> 0:07:36.320 study and career paths and things like that, which I 0:07:36.320 --> 0:07:39.679 say good because you know, if the argument is that 0:07:39.800 --> 0:07:42.280 if we forgive all this money or make college free, 0:07:42.320 --> 0:07:45.160 it results in a better educated population, it's got to 0:07:45.160 --> 0:07:47.800 be worth the cost. But it's not because what happens 0:07:47.840 --> 0:07:49.720 is you get a whole bunch of students majoring and 0:07:49.760 --> 0:07:54.200 I'm sorry bs that the market doesn't value and other 0:07:54.200 --> 0:07:56.360 people simply just you know, showing up going out. I 0:07:56.360 --> 0:07:58.200 guess I'll go to school because someone else is paying 0:07:58.240 --> 0:07:59.720 for it, So if it's for free, it's for me. 0:08:00.240 --> 0:08:02.040 And then it doesn't even discount all the ones that 0:08:02.080 --> 0:08:04.320 go to college who fail and still have to pay 0:08:04.360 --> 0:08:08.640 the loans and drop out for whatever reason. Graduates need 0:08:08.760 --> 0:08:11.240 marketable skills going and we know this right now, and 0:08:11.280 --> 0:08:13.720 so I think the bankruptcy thing, in a way would 0:08:13.760 --> 0:08:17.600 eliminate all these fluffy programs and education in the Ivory Tower. 0:08:17.640 --> 0:08:19.640 Allen would have finally have to come around and go, hey, 0:08:19.640 --> 0:08:21.880 guess what, we're in a market too. Here, We're not 0:08:21.960 --> 0:08:24.480 in a bubble. This is a market economy. Teach the 0:08:24.600 --> 0:08:27.040 jobs and teach the skills that people need to make 0:08:27.080 --> 0:08:29.280 money to service their loans, and the rest will take 0:08:29.320 --> 0:08:29.960 care of itself. 0:08:31.440 --> 0:08:34.760 Yeah, that's right. You know, there's a very good reason 0:08:34.800 --> 0:08:37.600 the founders called for bankruptcy ahead of the power to 0:08:37.920 --> 0:08:40.120 raise an army and declare war in the Constitution. And 0:08:40.920 --> 0:08:45.079 I think this student loan behemoth is precisely the sort 0:08:45.120 --> 0:08:47.680 of thing that they wanted to avoid. Yeah, and you know, 0:08:47.720 --> 0:08:48.520 we're all. 0:08:48.360 --> 0:08:51.439 For having educated citizenry. And you know, maybe there's a value. 0:08:51.160 --> 0:08:54.160 To a philosophy degree or something that maybe may not 0:08:54.200 --> 0:08:57.880 be necessarily marketable, but it's got to be done in 0:08:57.960 --> 0:09:00.360 the context of fiscality. 0:09:01.040 --> 0:09:05.360 And well, as I've been saying, don't confuse a hobby 0:09:05.360 --> 0:09:07.559 with a career. So if you want to study philosophy, 0:09:07.960 --> 0:09:09.640 you can do that in your own time. You don't 0:09:09.640 --> 0:09:10.719 need to go to school for it. 0:09:12.520 --> 0:09:16.760 Yeah, you know, it's hard to say what all what 0:09:16.960 --> 0:09:21.400 all reform might happen when you know, at least the 0:09:21.520 --> 0:09:25.840 accountability that comes with having to contend with bankruptcy laws 0:09:26.720 --> 0:09:34.000 will compel, but certainly lower prices, smarter degrees. And I 0:09:34.080 --> 0:09:36.280 might also add, you know, the colleges are now it's 0:09:36.320 --> 0:09:37.640 taking an average of six. 0:09:37.559 --> 0:09:41.319 Point two years to get a four year degree, and so. 0:09:41.360 --> 0:09:44.720 The colleges have really got to be arranged in And 0:09:45.520 --> 0:09:48.160 you know, we're looking at people like Jim Jordan. Quite frankly, 0:09:48.200 --> 0:09:51.839 he becomes very important in this whole discussion. He runs 0:09:51.840 --> 0:09:57.520 the Judiciary Committee where our bankruptcy legislation is likely to 0:09:57.679 --> 0:09:59.480 come from, if it comes from anywhere in the House, 0:09:59.520 --> 0:10:02.280 of represent is and so we're hoping very much that 0:10:02.360 --> 0:10:05.679 Jim Jordan will look to people like, look to other 0:10:05.760 --> 0:10:07.200 Republicans actually. 0:10:06.880 --> 0:10:09.600 Like why not just called for the return. 0:10:09.320 --> 0:10:13.240 Of bankruptcy rights to student loans with a caveat that 0:10:13.280 --> 0:10:17.839 the colleges should be held at least somewhat financially accountable 0:10:17.960 --> 0:10:21.800 absolutely for bankruptcy discharges. And we think that's exactly the 0:10:21.840 --> 0:10:24.720 way go. It's a lot like Dick Durbins bill from 0:10:24.760 --> 0:10:27.800 last year as twenty five ninety eight. We think Jim 0:10:27.880 --> 0:10:30.760 Jordan could get that sucker passed to the House in 0:10:30.880 --> 0:10:36.200 no time on a bipartisan basis, and that would that 0:10:36.240 --> 0:10:38.280 would really be the first thing that needed to happen 0:10:38.360 --> 0:10:42.320 if we want to see sanity, sanity. 0:10:41.840 --> 0:10:43.920 And you know, fiscal prudence returned to. 0:10:45.080 --> 0:10:47.800 Is I guess because the federal since we federalized student 0:10:47.840 --> 0:10:50.600 loans back in the seventies. Though, and okay, I can 0:10:50.600 --> 0:10:53.400 file bankruptcy now, but based on the way our government 0:10:53.480 --> 0:10:55.600 spends and how much debt we're in right now, Allen, 0:10:55.720 --> 0:10:57.600 do they even care? Would they just go, okay, well, 0:10:57.600 --> 0:10:59.320 we're not going to really change, you know, this is 0:10:59.360 --> 0:11:00.920 not going to make coll just tighten their belt I 0:11:00.960 --> 0:11:03.559 mean the private market. Yeah, but we're talking about federally 0:11:03.600 --> 0:11:05.720 subsidized student loans here. Do they even care? 0:11:07.040 --> 0:11:08.080 Well, you know, they don't. 0:11:08.160 --> 0:11:08.480 They don't. 0:11:08.559 --> 0:11:10.880 The government does not act, you know, like a business 0:11:10.880 --> 0:11:14.960 for example. That's true, but the Department of Education they 0:11:15.000 --> 0:11:21.160 guard their nest egg, They guard their agency funding very carefully. 0:11:21.000 --> 0:11:23.120 They run the Department of Education as if it were 0:11:23.160 --> 0:11:27.000 a business. So you know, one would hope that they 0:11:27.040 --> 0:11:32.000 would care, but that sort of remains to be seen. 0:11:32.080 --> 0:11:34.160 Well, here's here's what happens is you yeah, here's a 0:11:34.400 --> 0:11:36.400 interrupt a second. Here's what happens as you know though, right, 0:11:36.480 --> 0:11:38.839 so we'll get this will go through rest like, Hey, 0:11:38.840 --> 0:11:40.320 it makes sense. They're tight to their belts. We're not 0:11:40.320 --> 0:11:42.559 going to hand out money for programs that you're not 0:11:42.600 --> 0:11:44.400 gonna make a lot of money at, and it's gonna 0:11:44.400 --> 0:11:46.120 bring the cut. And then you're gonna hear the cries 0:11:46.200 --> 0:11:49.600 from people who are lobbying their lawmakers and saying it's unfair, 0:11:49.679 --> 0:11:54.080 it's racist, it's sexist, it's this, it's that, And then lawmakers, 0:11:54.080 --> 0:11:56.760 of course will kowtow to that contingent and you know, 0:11:56.880 --> 0:11:58.760 break it and it'll probably worse than it was before 0:11:58.760 --> 0:11:59.719 they did bankruptcy. 0:12:01.440 --> 0:12:03.960 Well, yeah, that remains a be seen. 0:12:04.440 --> 0:12:05.360 That's the problem with it. 0:12:05.400 --> 0:12:10.600 But generally you can pick a random college funding scheme 0:12:10.720 --> 0:12:11.719 out of a hat at this. 0:12:11.760 --> 0:12:14.000 Point and I can almost guarantee. 0:12:13.520 --> 0:12:16.559 You that whatever they get will be far better than 0:12:16.600 --> 0:12:20.520 what we have today. So you know, it's it's always 0:12:20.559 --> 0:12:23.640 a balancing act with condres. Different spirit interests will have 0:12:23.760 --> 0:12:26.880 their say, But at the end of the day, you know, 0:12:26.960 --> 0:12:32.040 we can't be financially ruining eighty five percent of the 0:12:32.040 --> 0:12:36.280 people who take out student loans and leaving them with 0:12:36.880 --> 0:12:39.520 you know, predatory, untaable debt for the rest of their lives. 0:12:39.559 --> 0:12:41.360 I mean that does not serve the country. 0:12:41.679 --> 0:12:43.520 Yeah, I mean I look at it and go, well, okay, 0:12:43.520 --> 0:12:45.520 mom and dad. In the equation, they should kind of 0:12:45.559 --> 0:12:47.679 know better about how much money they're borrowing because you're 0:12:47.679 --> 0:12:50.000 old enough to know how that works. But if you're young, 0:12:50.040 --> 0:12:52.880 and you're you know, sixteen, seventeen years old, and you're 0:12:52.880 --> 0:12:55.240 applying for colleges and it's all all well and good, 0:12:55.280 --> 0:12:57.800 you don't have an idea what that's like, what servicing 0:12:57.800 --> 0:13:00.480 a loan is. And I think they keep kids financially 0:13:00.480 --> 0:13:03.800 ignorant from the beginning for a reason, because at the 0:13:03.880 --> 0:13:05.640 end of the day, it's mana from heaven for the 0:13:05.640 --> 0:13:07.680 federal government. They're just going to keep getting their money. 0:13:07.720 --> 0:13:09.640 How when you can go after mom and dad social 0:13:09.640 --> 0:13:13.280 Security because the kid doesn't have a job that's going 0:13:13.320 --> 0:13:15.400 to pay anything and can't serve us a loan. I 0:13:15.400 --> 0:13:18.280 think that's just speaks volumes about where we are right now. 0:13:18.320 --> 0:13:22.080 And the sickening part is, I honestly, I mean outside 0:13:22.080 --> 0:13:25.160 of Jim Jordan, as you said, both sides to be 0:13:25.200 --> 0:13:29.559 complicit in just basically doing the dirty work for colleges 0:13:29.600 --> 0:13:33.040 and universities. It's insane that someone has not called us 0:13:33.040 --> 0:13:35.560 out sooner, rather than just going, yeah, we're gonna just 0:13:35.559 --> 0:13:37.719 give you free money, and uh, well what about next 0:13:37.800 --> 0:13:40.560 year's class? They're gonna want. And once it starts, of course, 0:13:40.600 --> 0:13:43.280 once you say we're gonna give forgive loan debt each 0:13:43.480 --> 0:13:46.920 twenty three, twenty four, twenty five, twenty six, twenty twenty seven, 0:13:47.040 --> 0:13:50.320 every class is gonna want basically a bailout. And if 0:13:50.360 --> 0:13:53.120 the idea is we forgive loans to stimulate the economy, well, 0:13:53.240 --> 0:13:55.160 I don't know about you. I got a mortgage that'd 0:13:55.200 --> 0:13:57.200 be great. Imagine how much money I'd spend on liquor 0:13:57.240 --> 0:13:58.720 and hot tubs and strippers and coke. 0:14:01.440 --> 0:14:02.160 Well, I would. 0:14:02.000 --> 0:14:04.480 Actually disagree with you on not so. 0:14:04.440 --> 0:14:07.160 Much what you just said, but sort of the underlying 0:14:07.240 --> 0:14:10.439 premise here and that and the important point here that 0:14:10.480 --> 0:14:13.439 I haven't brought up yet is the federal government, believe 0:14:13.440 --> 0:14:15.920 it or not, the Department of Education, they have been 0:14:15.960 --> 0:14:20.680 making a king's ransome in profit on this federal student 0:14:20.680 --> 0:14:25.280 loans program, certainly since Obama federalized in twenty ten. You know, 0:14:25.280 --> 0:14:28.560 in nineteen sixty five the President LBJ declared that these 0:14:28.600 --> 0:14:32.560 student loans would be free of interest. Well today over 0:14:32.600 --> 0:14:36.040 one hundred billion dollars a year in interest, really, and 0:14:37.240 --> 0:14:40.320 it accrues to the books of the Department of Education. 0:14:41.840 --> 0:14:45.080 And so the Department of Education is this is really 0:14:45.160 --> 0:14:48.560 a cash cow for the people in Washington. People don't 0:14:48.640 --> 0:14:52.440 quite understand how incredibly profitable this thing has been for 0:14:53.280 --> 0:14:53.880 the taxpayer. 0:14:54.120 --> 0:14:55.880 And out of that, I mean, think of it. There's 0:14:55.920 --> 0:14:58.560 no you know, you can't discharge it, you don't put 0:14:58.600 --> 0:15:01.760 a collateral up. They can garnish your wages, they can 0:15:01.800 --> 0:15:04.400 go after your mom and dad social Security, they can 0:15:04.440 --> 0:15:07.200 do all these horrific things that that you know in 0:15:07.680 --> 0:15:09.920 the private sector, you can't do it all al and 0:15:09.960 --> 0:15:10.960 all the best. Thanks again. 0:15:11.280 --> 0:15:13.560 Well, it's been about. 0:15:13.560 --> 0:15:16.800 I think almost exactly a year since Biden and is 0:15:17.000 --> 0:15:20.480 one of the last gasps of his presidency wave the 0:15:20.480 --> 0:15:22.760 magic wind would come to student loans. I haven't heard 0:15:22.800 --> 0:15:24.880 a lot in last year with Trump on that one guard. 0:15:24.880 --> 0:15:27.080 But the problem is still there, still exists, can be fixed, 0:15:27.080 --> 0:15:30.360 but they refuse to address the issue. And it's a problem. 0:15:30.400 --> 0:15:32.800 It's a big press as what college looks like is 0:15:33.160 --> 0:15:35.440 being changed by AI for example. We'll get a news 0:15:35.520 --> 0:15:37.640 update in and more ahead. It's a Scott Sloman Show 0:15:37.680 --> 0:15:41.720 on seven hundred WLW My Scott on seven hundred w 0:15:41.800 --> 0:15:45.320 WELW short week, Ready for Christmas, winding it down, Ready 0:15:45.320 --> 0:15:47.760 to eat some good food and a lot of that. 0:15:47.920 --> 0:15:50.120 By good food, I mean food that's not good for you. 0:15:51.320 --> 0:15:53.640 A lot of sugar this time here, a lot of candy, 0:15:53.680 --> 0:15:57.479 a lot of pie, a lot of cake, all that stuff, cookies, 0:15:57.720 --> 0:16:01.080 you name it. I am down for it. Over a 0:16:01.120 --> 0:16:03.960 word of the wise here. Nicole Avina joins the show again. 0:16:04.800 --> 0:16:07.560 She wrote writes a book called Sugarless about the I 0:16:07.600 --> 0:16:09.520 don't know if it's the dangers of sugar, but we 0:16:09.600 --> 0:16:12.080 didn't like some sugar from time to time. Nicole, welcome, good. 0:16:11.920 --> 0:16:13.280 Morning, good morning. 0:16:13.920 --> 0:16:14.360 Good when's the. 0:16:14.360 --> 0:16:15.280 Last time you had sugar? 0:16:16.720 --> 0:16:19.080 Well, you know, I have I have to say I 0:16:19.120 --> 0:16:22.800 can have it in moderation. I have it, you know now, 0:16:22.840 --> 0:16:25.120 and then I have it under control. But I have 0:16:25.640 --> 0:16:27.680 very little compared to most Americans. 0:16:27.680 --> 0:16:29.640 I would say, yeah, I'm more of a savory person. 0:16:29.680 --> 0:16:32.800 I like the savory stuff I'll have, don't get me wrong, 0:16:32.840 --> 0:16:34.520 A good dessert or something like that, or a piece 0:16:34.520 --> 0:16:36.680 of candy. But I'm not I'm not a sugar feen. 0:16:36.720 --> 0:16:36.800 Now. 0:16:36.840 --> 0:16:38.640 I have a friend of mine about the same age, 0:16:39.000 --> 0:16:40.680 and he has the diet of an eight year old. 0:16:41.320 --> 0:16:43.600 He'll drink like three of those blue slushies a day, 0:16:43.840 --> 0:16:45.560 and yeah, he's a mess. 0:16:45.920 --> 0:16:46.160 Yeah. 0:16:46.240 --> 0:16:47.720 I think there's a lot of people that sort of 0:16:47.720 --> 0:16:50.320 fall into one of either camp right where it's you 0:16:50.400 --> 0:16:52.360 have that sweet tooth and you crave it all the time, 0:16:52.520 --> 0:16:55.160 or you're more of like a savory chips and cheese 0:16:55.200 --> 0:16:55.800 type person. 0:16:56.240 --> 0:16:58.960 He has the you know, if you go to a 0:16:59.000 --> 0:17:01.320 hotel and they have these real dispenser it's got three 0:17:01.360 --> 0:17:03.280 things and you turn the crank and at ceral comes out, 0:17:03.320 --> 0:17:04.880 he's got one of those in front of his TV. 0:17:05.920 --> 0:17:06.080 Oh. 0:17:06.160 --> 0:17:08.439 I think that's definitely the sign of a sugar addict 0:17:08.920 --> 0:17:11.200 in one of those devices. 0:17:11.440 --> 0:17:11.640 Yeah. 0:17:11.680 --> 0:17:13.919 I was like, okay, skittles all over the place, Like 0:17:13.960 --> 0:17:16.960 it's like Willy Wonka in his basement. It's it's something else. 0:17:17.200 --> 0:17:20.840 Some guys have bars. He has unlimited sugar, all right, 0:17:21.520 --> 0:17:24.520 And it's why is sugar so easy to I guess 0:17:24.560 --> 0:17:26.080 to abuse. I don't want to see abuse. It's not 0:17:26.119 --> 0:17:28.280 a fair term because everything in moderation, as you said, 0:17:28.359 --> 0:17:30.360 is fine. I'm glad you're not like, oh you can't 0:17:30.480 --> 0:17:33.440 had sugar at all ever. I mean, sugar is it's good, 0:17:34.119 --> 0:17:36.240 you just can't make it a steady part of your diet. 0:17:37.160 --> 0:17:37.360 Yeah. 0:17:37.400 --> 0:17:39.000 But I think that's really the issue that a lot 0:17:39.080 --> 0:17:41.840 of people are struggling with because although we want to 0:17:41.880 --> 0:17:44.400 do it in moderation, most of us have a really 0:17:44.400 --> 0:17:46.720 hard time doing that because it's so pervated. If you 0:17:46.720 --> 0:17:48.639 think about it, you know, everywhere you go in the 0:17:48.640 --> 0:17:51.560 grocery store, if you go to restaurants, most of the 0:17:51.640 --> 0:17:54.560 dishes that we order when we eat out have sugar 0:17:54.560 --> 0:17:57.159 added to them. And so even if you're trying to 0:17:57.200 --> 0:17:59.239 cut back, and or even if you don't really have 0:17:59.440 --> 0:18:02.400 a big eat tooth and you think you're not eating 0:18:02.400 --> 0:18:04.680 a lot of sugar, odds are that you probably are 0:18:04.760 --> 0:18:06.840 eating more than what is recommended. 0:18:06.359 --> 0:18:07.159 By the guideline. 0:18:07.880 --> 0:18:09.520 What are the guidelines? I have no idea. 0:18:10.320 --> 0:18:12.680 Well, you know, it's funny because for the longest time, 0:18:12.800 --> 0:18:15.640 we did not have government guidelines about sugar. We had 0:18:15.640 --> 0:18:18.560 guidelines about everything else in terms of vitamins and you know, 0:18:18.600 --> 0:18:20.600 how many calories you should eat to have a healthy diet, 0:18:20.640 --> 0:18:22.600 but we didn't have it for sugar. Now we do, 0:18:22.680 --> 0:18:25.280 and it's recommended that you have no more than six 0:18:25.359 --> 0:18:29.879 to eight teaspoons of sugar a day, which sounds great, 0:18:29.920 --> 0:18:32.480 but the problem is the average American has twenty two 0:18:32.520 --> 0:18:36.160 teaspoons or sugar a day. So yeah, we're all eating 0:18:36.200 --> 0:18:37.960 weight too much of it. And you know, it's not 0:18:38.040 --> 0:18:41.679 just about obesity or being overweat. There's so much research 0:18:41.720 --> 0:18:43.040 out that's come out. I talk about it in my 0:18:43.080 --> 0:18:47.160 new book, Sugar Lists, about how sugar can impact your 0:18:47.200 --> 0:18:49.760 physical health. It can also impact your mental health too, 0:18:49.880 --> 0:18:51.720 So it's a really good idea to cut back. Even 0:18:51.760 --> 0:18:54.000 if you're not struggling with your body weat and. 0:18:53.960 --> 0:18:55.600 I think it's important too. You go, well, wait a minute, 0:18:55.600 --> 0:18:57.520 I don't eat a lot of sugary food. How can 0:18:57.560 --> 0:19:00.560 I have twenty two teaspoons or tablespoons of a sugar 0:19:00.600 --> 0:19:03.720 a day. Well, it's hidden. And so the formula for 0:19:03.800 --> 0:19:05.480 really really good food. If you want to make food 0:19:05.520 --> 0:19:08.080 taste well, you've got to have savory, you got to 0:19:08.119 --> 0:19:11.480 have sweet, you got to have you got to have 0:19:11.560 --> 0:19:13.679 a fat, you got to have those things in it, 0:19:13.760 --> 0:19:16.600 and tart. Every good dish like wh it's a secret. Agree, 0:19:16.600 --> 0:19:19.320 there's probably most people don't use enough acid in their cooking, 0:19:19.400 --> 0:19:21.320 like lemon or something like that. But the big one 0:19:21.359 --> 0:19:24.000 is sugar. And if you get that balance right between sweet, 0:19:24.320 --> 0:19:27.439 fat and salty, you're gonna This is why you can 0:19:27.440 --> 0:19:29.080 sit down and get a whole sleeve of oreos and 0:19:29.119 --> 0:19:31.399 not be satisfied for that reason. But sugar is a 0:19:31.480 --> 0:19:34.040 big and it'shidden in you know, pasta sauces and everything 0:19:34.080 --> 0:19:35.520 is sugar in it. 0:19:35.520 --> 0:19:37.439 It does and I think that's really, you know, the 0:19:37.480 --> 0:19:39.520 tricky part. So it's really important to take a look 0:19:39.560 --> 0:19:42.879 at the nutrition fact labels on the foods that you're purchasing, 0:19:43.359 --> 0:19:46.320 and really, you know, look at the ingredients, you'd be surprised. 0:19:46.320 --> 0:19:48.480 So many things that you wouldn't expect to see sugar 0:19:48.520 --> 0:19:51.040 in you'll find that, you know, sugar's listed as one 0:19:51.040 --> 0:19:54.240 of those ingredients. And again, you know, even if you're 0:19:54.920 --> 0:19:57.400 thinking that maybe you are consuming too much of it, 0:19:57.400 --> 0:19:59.679 it's not about you know, completely cutting it out of 0:19:59.680 --> 0:20:01.560 your life. And I really make a point of this 0:20:01.640 --> 0:20:04.840 in my new book, because that's just not sustainable, and 0:20:05.080 --> 0:20:07.040 you know that's going to set people up for failure. 0:20:07.320 --> 0:20:11.000 It's really more about reducing it and doing more to 0:20:11.119 --> 0:20:13.880 try to replace it with healthier alternatives so you could 0:20:13.880 --> 0:20:16.879 still enjoy the foods and have them, but just without 0:20:16.920 --> 0:20:17.760 all that added sugar. 0:20:17.920 --> 0:20:21.119 Yeah, big holidays roll along or occasions whatever, and you 0:20:21.200 --> 0:20:23.159 have some sugar, or somebody brings some cookies and you know, 0:20:23.200 --> 0:20:25.800 I'll have one. You have a couple, and you know, 0:20:25.840 --> 0:20:27.760 you feel great, and then all of a sudden, like 0:20:28.040 --> 0:20:30.440 minutes left for me, minutes later, maybe like an hour later. 0:20:30.640 --> 0:20:32.040 I want to kill myself. What is that? 0:20:33.200 --> 0:20:35.159 Well, you know what the problem with sugar is is 0:20:35.200 --> 0:20:38.600 that it affects our brain in so many strange ways. 0:20:38.880 --> 0:20:41.080 It can affect the brain in a way that leads 0:20:41.160 --> 0:20:44.080 us to be addicted. It can release dopamat and these 0:20:44.119 --> 0:20:46.880 other neuro transmitters, and that's what leads people to crave 0:20:46.960 --> 0:20:49.040 it and want more and more of it. But it 0:20:49.119 --> 0:20:51.640 also does so many things to mess with our mind. 0:20:51.720 --> 0:20:54.080 It causes us to feel guilty after we eat it. 0:20:54.080 --> 0:20:56.440 It causes us to have these, you know, rapid spikes 0:20:56.480 --> 0:20:58.960 in our blood sugar levels that then lead us to 0:20:59.040 --> 0:21:01.160 then have these crash is in our blood sugar levels 0:21:01.200 --> 0:21:04.359 that can impact our mood. So when people start to 0:21:04.400 --> 0:21:07.399 reduce the sugar in their diet, they really start to 0:21:07.400 --> 0:21:09.760 get in touch with those feelings and see that, Wow, 0:21:09.800 --> 0:21:11.840 you know, this stuff is really making me feel strange 0:21:11.880 --> 0:21:13.719 and act funny when I eat a lot of it. 0:21:13.800 --> 0:21:16.080 So if you stay away from it, then you really 0:21:16.119 --> 0:21:18.040 can get a better control on what it's doing to 0:21:18.080 --> 0:21:19.080 your brain and your body. 0:21:19.200 --> 0:21:21.040 Yeah, what does it do to your Is it more 0:21:21.080 --> 0:21:22.600 of a physical thing or a mental thing or is 0:21:22.640 --> 0:21:23.000 it both? 0:21:23.920 --> 0:21:26.600 Well, it's both. I mean, you know, when you consume sugar, 0:21:26.720 --> 0:21:29.720 it's affecting your blood sugar levels, which then in turn 0:21:29.800 --> 0:21:33.720 affects your neurotransmitter levels, and so it's affecting your brain. 0:21:34.320 --> 0:21:36.560 And I think you know, we have this physical change 0:21:36.560 --> 0:21:38.960 that occurs in response to that, right we react to it. 0:21:39.000 --> 0:21:41.080 Our brain tells us, you know, how to react and 0:21:41.119 --> 0:21:44.040 how to feel. But there is also this psychological piece 0:21:44.040 --> 0:21:45.879 of it too, and I think that goes along with 0:21:45.920 --> 0:21:48.679 the fact that you know, it is so pervasive in 0:21:48.720 --> 0:21:52.480 our society and it's sort of this forbidden thing in 0:21:52.520 --> 0:21:53.159 many ways. 0:21:53.200 --> 0:21:53.760 You know, we know. 0:21:53.800 --> 0:21:55.760 Sugar's bad for us, you know, we shouldn't have too 0:21:55.840 --> 0:21:58.840 much of it, and then when we do indulge, we 0:21:58.920 --> 0:22:01.399 get that psychologic guilt. And I think this is what 0:22:01.440 --> 0:22:03.520 happens with a lot of people who were dieting right 0:22:03.720 --> 0:22:05.679 around this time of year. Everybody's you know, trying to 0:22:05.680 --> 0:22:07.919 clean up their diet and maybe lose a couple pounds, 0:22:07.920 --> 0:22:10.040 like you said in the beginning, Yeah, and you know 0:22:10.080 --> 0:22:12.239 you get that guilt if you gave in and you know, 0:22:12.760 --> 0:22:15.879 ate that giant slap cake, then you feel bad about it. 0:22:15.920 --> 0:22:18.360 You feel like you let yourself down. So that's important 0:22:18.400 --> 0:22:20.000 to avoid and I talk about that in my new 0:22:20.040 --> 0:22:22.640 book Sugarless, about how you know, you want to change 0:22:22.640 --> 0:22:24.719 your relationship with food. You don't want to, you know, 0:22:24.800 --> 0:22:27.560 have this unhealthy relationship with the things that we're eating. 0:22:27.680 --> 0:22:29.920 It's got to be a healthy dynamic, all. 0:22:29.920 --> 0:22:31.760 Right, Nicole Vina is here. Sugar List is the book, 0:22:31.760 --> 0:22:34.200 and it's the big problem for people, and that is 0:22:34.280 --> 0:22:35.920 kicking the sugar hat. But if you want to lose weight, 0:22:35.960 --> 0:22:39.399 sugar is definitely going to add some hidden calories and 0:22:39.440 --> 0:22:41.800 it does a lot. One of the issues that came 0:22:41.880 --> 0:22:43.800 up and this is totally wow, it's kind of related. 0:22:43.800 --> 0:22:45.199 Now I won't know how to get in this is 0:22:45.920 --> 0:22:49.160 we just legalized not long ago for recreational use. Ohio 0:22:49.160 --> 0:22:53.840 did recreational marijuana, and the opponents of it to always 0:22:53.840 --> 0:22:56.400 talk about how it's a gateway drug. You smoke some weed, 0:22:56.440 --> 0:22:59.240 it's gonna next thing you'd be shooting heroin. You get blasts, 0:22:59.280 --> 0:23:02.800 you get a cocaine nipple, bumps, everything right, And I 0:23:02.960 --> 0:23:06.240 never I think that's a bunch of bunk. And I 0:23:06.640 --> 0:23:09.400 basically my counter to this was, well, if that's the case, 0:23:09.440 --> 0:23:12.639 if that's the gateway, is the real gateway drug caffeine 0:23:12.720 --> 0:23:15.880 or in this case, sugar is sugar gateway drugged other things? 0:23:16.880 --> 0:23:19.480 Absolutely, I think sugar is a gate I think it's 0:23:19.520 --> 0:23:20.800 the original gateway drug. 0:23:20.920 --> 0:23:25.240 So right, Halloween comes along the holidays. Whatever you pack 0:23:25.280 --> 0:23:27.800 your kid full of candy Easter and they lose their 0:23:27.840 --> 0:23:29.880 mind and their mounds off the walls. They're like, wow, 0:23:29.920 --> 0:23:32.679 I feel great after each sugar. That's that's a drug. 0:23:33.359 --> 0:23:35.879 Yeah, And you know, we've actually conducted research studies in 0:23:35.920 --> 0:23:38.879 my laboratory looking at that, looking at the relationship between 0:23:38.960 --> 0:23:42.239 sugar and then behavior later on and proclivity to use 0:23:42.320 --> 0:23:45.320 drugs and alcohol. And for sure, if you have experience 0:23:45.359 --> 0:23:47.520 with sugar, you're more likely to use drugs for alcohol. 0:23:47.600 --> 0:23:50.360 So yeah, I think that's that's really the bigger problem. 0:23:50.400 --> 0:23:53.159 It's you know, it's not about recreational marijuana. I think 0:23:53.160 --> 0:23:55.280 it's about getting to the root of the problem, which 0:23:55.280 --> 0:23:57.160 is sugar. And it starts, you know, in kids when 0:23:57.160 --> 0:23:58.600 they're three, four or five years old. 0:23:59.040 --> 0:24:01.440 It's crazy you have a a few years later, you're 0:24:01.480 --> 0:24:03.760 doing lines off the near end of a hooker. It's 0:24:03.880 --> 0:24:07.280 it's it's a town, it's a slippery slope, nicole, it 0:24:07.640 --> 0:24:08.080 sure is. 0:24:08.160 --> 0:24:11.040 It really is, all. 0:24:11.000 --> 0:24:13.560 Right, So sugar, there's just sugar addiction and drug dependency. 0:24:13.600 --> 0:24:15.520 And there certainly is a link there too, because you 0:24:15.560 --> 0:24:18.040 get that. It's it's that feeling that you wind up getting, 0:24:18.080 --> 0:24:20.760 go wow, the sugar high. This is this is really cool, 0:24:21.440 --> 0:24:23.639 and then later on you're looking for that maybe in 0:24:23.640 --> 0:24:27.320 different ways. So it makes sense. But again, it's it's moderation, 0:24:27.440 --> 0:24:29.359 it's tolerance, it's a bunch of other things too. And 0:24:29.359 --> 0:24:31.600 we also have a culture in our society too, this 0:24:31.800 --> 0:24:35.359 diet culture. You know, there's a gym I drive by, 0:24:36.240 --> 0:24:38.360 uh near my house, it's the gym, and then right 0:24:38.400 --> 0:24:41.080 next door is like a cookie place, So it's you 0:24:41.119 --> 0:24:43.400 can't even get past the gym without being tempted by 0:24:43.600 --> 0:24:45.480 by cookies. And I think we have a thing where, hey, 0:24:45.480 --> 0:24:48.720 if I work out, I can treat myself to a 0:24:48.800 --> 0:24:51.840 cookie or sweets later in the day. And the problem 0:24:51.880 --> 0:24:53.000 is you just eat too many of them. 0:24:53.800 --> 0:24:55.760 Yeah, what is that? That's happening where I live in 0:24:55.760 --> 0:24:57.600 New Jersey too. I feel like that there must be 0:24:57.600 --> 0:25:00.520 something going on with like the planning boards of you 0:25:00.600 --> 0:25:02.480 have to put a cookie joint next to the gym, 0:25:02.520 --> 0:25:05.919 because I've seen neither myself. Yeah, I think you know, 0:25:05.960 --> 0:25:07.879 you're so right that it's sort of part of this 0:25:07.960 --> 0:25:11.280 culture of like rewarding ourselves. If we do something good 0:25:11.840 --> 0:25:14.439 like workout, right, then we're supposed to reward ourselves with 0:25:14.480 --> 0:25:17.639 a cookie. And I think that happens on multiple levels 0:25:17.640 --> 0:25:19.520 throughout the day for a lot of people when you 0:25:19.560 --> 0:25:21.840 know they do a good job at work, or let's 0:25:21.840 --> 0:25:24.080 go out and you know, celebrate by getting ice cream, 0:25:24.119 --> 0:25:26.040 if you've got a good grade on your test. You know, 0:25:26.240 --> 0:25:29.400 it just happens throughout the day in multiple ways where 0:25:29.400 --> 0:25:32.040 people reward themselves with food. And that's fine, But the 0:25:32.119 --> 0:25:34.880 problem is, you know, if you're rewarding every little thing 0:25:34.920 --> 0:25:37.040 that you do right with food, then that's where people 0:25:37.040 --> 0:25:41.280 start to get into problems with you know, health issues, diabetes. 0:25:40.840 --> 0:25:41.560 Being over weed. 0:25:41.920 --> 0:25:44.760 Yeah, yeah, and I in our household, we had to 0:25:44.760 --> 0:25:46.520 fight that. I mean, if me and my two brothers 0:25:46.560 --> 0:25:48.480 would have stayed at home and lived at home, God 0:25:48.480 --> 0:25:50.680 would probably be four thousand pounds by now. My mom 0:25:50.720 --> 0:25:52.600 and you know, hey, you're having a bad day, have 0:25:52.640 --> 0:25:55.200 a meatball. You're having a good day. Here, have two meatballs. 0:25:56.160 --> 0:25:59.200 Gonna be one of those one of those Italian mom situations. 0:26:00.240 --> 0:26:03.200 What about withdrawal, We mentioned the connection between sugar is 0:26:03.240 --> 0:26:05.960 a gateway drug and a full dependency on sugar later 0:26:06.000 --> 0:26:09.000 in life. And like anything that means there's withdrawal symptoms. 0:26:09.119 --> 0:26:11.639 We know what it is for other hard street drugs 0:26:11.640 --> 0:26:14.600 which are much more serious and sugar certainly, but are 0:26:14.600 --> 0:26:16.720 there withdraw symptoms and how do you combat that? 0:26:17.480 --> 0:26:17.720 Yeah? 0:26:17.760 --> 0:26:20.080 Absolutely, And so I think this is one of the 0:26:20.119 --> 0:26:22.879 main reasons why people end up going back on sugar 0:26:23.040 --> 0:26:25.200 is because of the withdrawal. We see this this time 0:26:25.240 --> 0:26:26.919 of year where people say, Okay, I'm going to cut 0:26:26.960 --> 0:26:29.439 back on sugar, and then all of a sudden, they 0:26:29.480 --> 0:26:33.520 get irritable, and they get lethargic and cranky and crabby, 0:26:33.560 --> 0:26:36.720 and you know, maybe they're tired a lot and a 0:26:36.720 --> 0:26:39.560 lot of times people will misattribute that and say, oh, 0:26:39.600 --> 0:26:41.639 it must be that I have low blood sugar, so 0:26:41.680 --> 0:26:44.159 I better eat more sugar so that I can make 0:26:44.160 --> 0:26:47.800 sure I don't pass out. Well, the reality is it's withdrawal. 0:26:47.960 --> 0:26:50.240 That's what sugar withdrawal looks like. It's you know, these 0:26:50.280 --> 0:26:52.680 feelings that are similar to what would happen if you 0:26:52.760 --> 0:26:56.240 try to quit smoking cigarettes. That's really been the one 0:26:56.280 --> 0:26:59.600 that seems to parallel at most. And again, you know, 0:26:59.680 --> 0:27:01.800 it's not going to kill you. You're not going to 0:27:01.920 --> 0:27:04.840 you know, die from the withdrawal, but it's uncomfortable, and 0:27:04.920 --> 0:27:06.880 you know, a lot of times it's enough for people 0:27:06.960 --> 0:27:09.280 to then say you know what, forget it. I'm just 0:27:09.280 --> 0:27:12.040 going to have some sugar so I feel better. But 0:27:12.080 --> 0:27:14.600 then that starts to pull vicious cycle all over again. 0:27:14.680 --> 0:27:16.919 Of you know, Okay, now I'm overeating sugar, and then 0:27:16.920 --> 0:27:18.919 I try to quick and I wink to withdrawal, and 0:27:18.920 --> 0:27:21.320 then I crave it, and so it's this non stop 0:27:21.400 --> 0:27:22.320 cycle that emerges. 0:27:22.600 --> 0:27:26.560 Where are you on artificial sweeteners, That's a good question. 0:27:26.680 --> 0:27:29.760 So I look at them as kind of like the 0:27:29.840 --> 0:27:34.640 methadone to heroin, right. I mean, they're better than sugar, 0:27:35.240 --> 0:27:37.000 but you don't want to stay on it for the 0:27:37.000 --> 0:27:39.440 rest of your life. And so what I usually recommend 0:27:39.520 --> 0:27:42.080 is that if you are really struggling to get the 0:27:42.080 --> 0:27:44.480 added sugar out of your diet, if you need to 0:27:44.560 --> 0:27:47.520 rely on some of these artificial sweeteners or these alternative 0:27:47.560 --> 0:27:50.600 sweeteners as a crutch to kind of bridge you away 0:27:50.600 --> 0:27:54.159 from it, then that's fine. But the ultimate goal should 0:27:54.160 --> 0:27:57.159 really be to reduce the dependence on the sweeteners in 0:27:57.200 --> 0:27:59.240 our diet. You know, we don't need to add sugar 0:27:59.280 --> 0:28:02.840 to everything we have. Coffee is a perfect example. And 0:28:02.840 --> 0:28:04.560 I've been talking about this a lot because I think 0:28:04.600 --> 0:28:06.359 about it more and more when I go to a 0:28:06.359 --> 0:28:08.800 coffee shop anymore, it's more like going into a sugar shop. 0:28:08.840 --> 0:28:10.560 I mean there's more sugar in the store that. 0:28:10.600 --> 0:28:11.639 There is coffee. 0:28:12.640 --> 0:28:15.200 So again, we have to, I think, really just focus 0:28:15.280 --> 0:28:18.119 on reducing the dependence on sweetness and think about, you know, 0:28:18.320 --> 0:28:20.240 why do we have to have sugar in all these 0:28:20.280 --> 0:28:22.399 different things that maybe doesn't really belong there in the 0:28:22.440 --> 0:28:22.880 first place. 0:28:22.920 --> 0:28:24.520 Yeah, I got a little cream in my coffee. That's 0:28:24.520 --> 0:28:26.280 about it, just to you know, get that little balance 0:28:26.320 --> 0:28:28.040 going on. But black is fine too. 0:28:28.080 --> 0:28:28.280 Yeah. 0:28:28.760 --> 0:28:31.280 You know, you go to a place and it's kind 0:28:31.280 --> 0:28:33.760 of frightening actually that some of these drinks. I don't 0:28:33.800 --> 0:28:36.280 want to vilify any coffee chain, Starbucks, but you go 0:28:36.359 --> 0:28:38.320 in there and one of their drinks is the same 0:28:38.400 --> 0:28:40.400 number of calories as a big Mac. That's a problem. 0:28:41.040 --> 0:28:43.320 Oh yeah, and they're desserts. I mean, I don't even 0:28:43.320 --> 0:28:46.200 know how they can be considered coffees anymore. I mean 0:28:46.200 --> 0:28:49.280 they're like literally desserts. I think I could probably find 0:28:50.000 --> 0:28:52.800 fewer calories at the ice cream store than I could 0:28:53.080 --> 0:28:55.600 from you know, many of these coffee chains. So you 0:28:55.640 --> 0:28:57.640 do need to be mindful of that. And the marketing 0:28:57.720 --> 0:28:59.360 is a big part of it. I mean they're marketed 0:28:59.400 --> 0:29:02.800 as being you know, coffee drinks and you're getting your 0:29:02.880 --> 0:29:05.440 energy and getting it through that three pm slump, But 0:29:05.880 --> 0:29:07.920 the reality is, you know you're going to hit a 0:29:08.000 --> 0:29:10.880 huge crash when that sugar wears off, and it's going 0:29:10.960 --> 0:29:13.920 to be compounded by you know the fact that your 0:29:14.040 --> 0:29:15.400 craffein's wearing off as well. 0:29:15.600 --> 0:29:17.360 Right, get caffeine and the sugar at the same time. 0:29:17.400 --> 0:29:19.200 You put two or three of those down to some 0:29:19.200 --> 0:29:20.920 people do a day, and you're talking a full day 0:29:21.000 --> 0:29:22.960 amount of calories just in your liquids on top of 0:29:22.960 --> 0:29:24.800 everything else. And you wonder why, you know, we're a 0:29:24.840 --> 0:29:27.920 little heavy. So uh, people concerned about maybe dropping a 0:29:27.920 --> 0:29:30.520 few LB's and getting right as we as. We have 0:29:30.560 --> 0:29:32.200 those cycles every year and this would be one of 0:29:32.240 --> 0:29:34.960 those cycles. A good idea would be looking at how 0:29:35.000 --> 0:29:37.240 much sugar you're getting in your diet. Sugarless is the 0:29:37.320 --> 0:29:38.280 name of the book. It's Nicole A. 0:29:38.320 --> 0:29:38.480 Vine. 0:29:38.520 --> 0:29:40.080 I know you have some strategies in there too for 0:29:40.440 --> 0:29:42.120 trying to wing yourself off the sugar. 0:29:41.920 --> 0:29:45.200 Right, Yeah, absolutely, I have a whole seven step plan 0:29:45.280 --> 0:29:47.560 that talks about how you can figure out where the 0:29:47.600 --> 0:29:49.280 sugar is in your diet. Because a lot of people 0:29:49.400 --> 0:29:52.080 just don't know right, kind of hidden in many places. 0:29:52.320 --> 0:29:55.080 And then also dealing with you know, the cravings. That's 0:29:55.080 --> 0:29:57.120 really a big thing. And I think that's a hard 0:29:57.280 --> 0:30:00.800 problem for a lot of people because you know, everywhere 0:30:00.800 --> 0:30:02.880 we got ads for it all the time. You're you know, 0:30:02.920 --> 0:30:05.760 being offered it basically everywhere you go. And so how 0:30:05.760 --> 0:30:07.960 do you cope with that? And you know, really just 0:30:08.200 --> 0:30:13.040 reevaluating your relationship with food and really just basically retooling 0:30:13.080 --> 0:30:15.320 yourself so that you can eat things alike, but just 0:30:15.520 --> 0:30:17.360 not have them have so much control over you. 0:30:17.640 --> 0:30:19.280 Yeah, And I think it's the thing. We all have 0:30:19.280 --> 0:30:22.160 our food triggers. I guess I'm a savory person, lesson 0:30:22.160 --> 0:30:23.600 more than a sweet one. You know, put up pizza 0:30:23.600 --> 0:30:25.480 in front of me, I'll kill it. But yeah, you know, 0:30:26.000 --> 0:30:28.160 an entire cake or I may have a cupcake, but 0:30:28.160 --> 0:30:30.520 I'm going to eat twelve of them. But everyone has 0:30:30.520 --> 0:30:32.840 their own triggers. But if here's a sugar Sugar list 0:30:32.880 --> 0:30:34.400 is the name of the book, and it's Nicole Avina. 0:30:34.560 --> 0:30:38.400 She's a PhD but also a world renowned neuroscientist. So 0:30:38.760 --> 0:30:40.440 great having on the show this morning. Thanks for the. 0:30:40.360 --> 0:30:42.080 Info, all right, Thank you. 0:30:42.600 --> 0:30:44.880 Yeah, you lean into it, and then after the holidays 0:30:44.880 --> 0:30:47.320 hopefully you're back off unless you've got that elf diet 0:30:47.880 --> 0:30:50.680 or everything you eat is sugar. I know people like that. 0:30:50.960 --> 0:30:53.080 So there you go. All right, we're winding it down 0:30:53.120 --> 0:30:56.280 for twenty twenty five and we'll get news here in 0:30:56.320 --> 0:30:58.680 just a few minutes. Traffick other all that just ahead. 0:30:58.680 --> 0:31:01.000 Scott's Loan Show seven HLW. 0:31:01.640 --> 0:31:03.680 Do you want to be an americanity? 0:31:12.040 --> 0:31:12.440 Here we go. 0:31:12.480 --> 0:31:15.640 It's a Scott's Loan Show Monday more seven hundred ww. 0:31:15.760 --> 0:31:18.960 Here we go from the Big Bengals win yesterday, enjoying life. 0:31:19.040 --> 0:31:21.360 What is not to love about this time of the year. 0:31:21.400 --> 0:31:23.840 I got something for you because it's all not you know, 0:31:23.880 --> 0:31:26.240 happy holidays, even though that's most of the show today. 0:31:26.640 --> 0:31:30.080 I don't know if you caught this, but seven on Friday, 0:31:30.120 --> 0:31:34.480 Ohio Governor Mike DeWine shockingly line item vetoed a provision 0:31:34.480 --> 0:31:37.520 of the state CB law which will now effectively ban 0:31:37.720 --> 0:31:40.800 the sale of something a lot of o'hon wands enjoy 0:31:40.840 --> 0:31:44.000 and that would be the hemp derived THC beverages that 0:31:44.080 --> 0:31:46.720 you can get in bars and restaurants and other similar 0:31:46.720 --> 0:31:49.640 products from General e taylers in the state, not necessarily 0:31:49.680 --> 0:31:52.120 carry outs and Lifebo're talking about bars, and we're talking 0:31:52.160 --> 0:31:55.760 about bars that have spent a fortune to try and 0:31:55.800 --> 0:32:00.320 stay alive because the craft industry is fading, anda and 0:32:00.320 --> 0:32:02.480 fused beverages of the future, and they've been embraced by 0:32:02.520 --> 0:32:04.800 millions of Ohios. And with one stroke with pen, the 0:32:04.880 --> 0:32:09.040 governor overrode that and the band means these beverages that 0:32:09.280 --> 0:32:11.640 millions and enjoy can no longer be sold in locations 0:32:11.640 --> 0:32:15.280 like convenience stores, bars, breweries or general stores. And these 0:32:15.280 --> 0:32:17.840 restrictions will take effect in mid March. I cannot believe 0:32:18.520 --> 0:32:21.600 that it's come to this. Ohio State Senator Steve Hopman 0:32:21.720 --> 0:32:23.680 from Just the Tipsity joining the show this morning on 0:32:23.680 --> 0:32:25.800 seven hundred w W Steve, I wish I wish you 0:32:25.800 --> 0:32:27.640 a good morning. It doesn't feel like a good morning 0:32:27.720 --> 0:32:30.400 based on what feels like a good part of your 0:32:30.440 --> 0:32:32.840 life's work here. I mean, you've spent so much time 0:32:32.880 --> 0:32:35.040 on Senate Bill fifty six, being the author of it, 0:32:35.440 --> 0:32:37.640 and this is like the fifteenth time we've had this 0:32:37.720 --> 0:32:39.400 conversation about stuff getting changed. 0:32:40.640 --> 0:32:44.400 Well, you're right now, We're done with it. There's a 0:32:44.440 --> 0:32:48.240 couple of House members that have already introduced some other 0:32:48.320 --> 0:32:53.040 things that they'd like to see change. But overall it 0:32:53.080 --> 0:32:55.920 was a good bill. But unfortunately the governor saw differently 0:32:55.960 --> 0:32:57.320 on this one subject. 0:32:58.480 --> 0:33:01.480 Did he explain his reasoning why and please just don't 0:33:01.480 --> 0:33:03.000 tell me because it's about the children. 0:33:06.160 --> 0:33:10.920 Yes, So whenever he line item vetos, he has a 0:33:11.160 --> 0:33:13.480 you know, the reason for doing it, And basically he 0:33:13.520 --> 0:33:17.520 said that there would be confusion because you know in 0:33:17.560 --> 0:33:22.680 the bill, you know, we got rid of gummies, different 0:33:22.720 --> 0:33:25.960 things like that, especially for children. So we got rid 0:33:26.000 --> 0:33:29.080 of that, but then we carved out the beverages until 0:33:29.160 --> 0:33:32.400 November because we're following the federal law. And he said 0:33:32.400 --> 0:33:36.760 there would be too much confusion with the beverages being 0:33:36.800 --> 0:33:39.240 outlawed before the you know, after the other one. So 0:33:39.280 --> 0:33:41.200 we're just going to outlaw everything all at once in 0:33:41.320 --> 0:33:41.920 ninety days. 0:33:43.280 --> 0:33:46.280 Okay, Well, if it's the federal legislation is the root 0:33:46.360 --> 0:33:48.840 cause of these problems, and giving this Congress just banned 0:33:48.840 --> 0:33:51.560 certain THT products when you know they reopened the government, 0:33:51.960 --> 0:33:53.880 why did we need Why would the governor have to 0:33:53.880 --> 0:33:56.600 act more aggressively than federal rock requires rather than just 0:33:56.600 --> 0:33:58.120 simply mirroring federal standards. 0:33:59.480 --> 0:34:02.920 Well, I mean in the bill we did because we 0:34:03.480 --> 0:34:05.480 in Ohio wanted to get rid of the gummies and 0:34:05.520 --> 0:34:08.839 stuff that underage kids were getting. And we were doing 0:34:08.880 --> 0:34:13.399 that in ninety days. I'm not sure that there would 0:34:13.400 --> 0:34:16.560 be confusion among the consumers, at least for the you know, 0:34:16.640 --> 0:34:19.640 over the next year. It would give people to finish 0:34:19.680 --> 0:34:24.400 their you know, whatever allotment that they currently have. But 0:34:24.760 --> 0:34:27.640 also in the bill, it would allow them to continue 0:34:27.719 --> 0:34:31.480 to process. We were at five milligrams, so that was 0:34:31.680 --> 0:34:34.600 you know, your six percent, like a six percent beer, 0:34:36.280 --> 0:34:39.920 but would allow was going to allow Ryan Geist and 0:34:40.719 --> 0:34:43.719 fifty West to process at ten or twenty so that 0:34:43.760 --> 0:34:46.080 they could sell out a state, make money, keep people 0:34:46.120 --> 0:34:49.799 employed that has gone away in ninety days. 0:34:49.800 --> 0:34:50.520 Also, does the. 0:34:50.520 --> 0:34:53.520 Governor realize how many millions of Ohioans not only enjoy this, 0:34:53.680 --> 0:34:56.759 but how many thousands of people of employees? Does he 0:34:56.840 --> 0:34:58.399 understand the business dynamic here? 0:34:59.440 --> 0:35:02.640 I you know, that would have to be a question 0:35:02.719 --> 0:35:05.759 for him. My understanding in the state of Ohio this 0:35:05.880 --> 0:35:09.760 year it is a seventy five million dollar business, mostly 0:35:10.400 --> 0:35:17.080 in the craft industries. You know, recently Cores and Anheuser 0:35:17.080 --> 0:35:21.560 Busch is starting to get into the industry. But basically 0:35:21.600 --> 0:35:24.959 it's a something that you find in the craft. 0:35:25.320 --> 0:35:28.240 Yeah, and as I talked to purveyors of craft beer, 0:35:28.600 --> 0:35:31.279 the taste for craft beer has ebbed. I mean, we 0:35:31.360 --> 0:35:33.360 hit a peak. Everything has a business cyclist, you know, 0:35:33.960 --> 0:35:37.680 Steve Hoffman, and now we're starting to be like the 0:35:37.800 --> 0:35:41.040 post you know, select beer kind of thing. A lot 0:35:41.080 --> 0:35:42.440 of people still enjoy it. I don't think it's going 0:35:42.520 --> 0:35:45.440 to go away, but it's pretty clear that people are 0:35:45.440 --> 0:35:48.400 switching to other beverages. Seltzer's are big, and certainly THC 0:35:48.440 --> 0:35:51.160 beverages are big too. So my concern is you don't 0:35:51.200 --> 0:35:54.240 give people that option. Do they go back to drinking 0:35:54.280 --> 0:35:56.640 craft beer? Probably not, They'll find something else. I would 0:35:56.640 --> 0:36:00.000 imagine that these breweries aren't selling, doesn't that mean jobs 0:36:00.120 --> 0:36:01.719 and some of these breweries closing up? 0:36:02.960 --> 0:36:06.080 I would think so, you know, you know, the statistics 0:36:06.120 --> 0:36:11.160 I see is that people under thirty drink more of 0:36:11.920 --> 0:36:15.000 the THHC drinks than they do than they do beer. 0:36:15.440 --> 0:36:18.279 And you know, seventy five million dollar industry in the 0:36:18.280 --> 0:36:21.279 state of Ohio, that seems to be a good number 0:36:21.320 --> 0:36:25.000 of jobs that ultimately would be lost. And do they 0:36:25.040 --> 0:36:29.480 go to beer or something else or do they just 0:36:29.680 --> 0:36:32.880 they want the THCHC effect and do they just start 0:36:33.120 --> 0:36:33.680 smoking it? 0:36:34.880 --> 0:36:35.080 Yeah? 0:36:35.200 --> 0:36:37.560 Right, and kind of cut the middle man out entirely. 0:36:37.640 --> 0:36:41.080 And you know what, I cringe every time. And you know, 0:36:41.120 --> 0:36:43.160 Mike the Wine is a Republican, and I hear about 0:36:43.200 --> 0:36:46.399 how Republicans are pro business, pro small business, pro growth, 0:36:46.480 --> 0:36:49.480 proll is and they do things like this that completely 0:36:49.760 --> 0:36:53.440 lead me scratching my head. Is Mike the Wine turning 0:36:53.480 --> 0:36:55.839 his back on what used to be conservative values? There 0:36:55.880 --> 0:36:56.719 has always been this way? 0:36:58.200 --> 0:37:01.960 Well, I mean, I again, you need to talk to 0:37:02.040 --> 0:37:04.200 him about it, but I think he is more concerned 0:37:04.239 --> 0:37:07.640 about safety of people and health of people, and I 0:37:07.760 --> 0:37:13.720 believe that's in conflict of of what other people are 0:37:13.840 --> 0:37:15.879 thinking that these things do for him. 0:37:16.719 --> 0:37:19.440 Mike the Wine is a lawyer. He's not a physician. You, 0:37:19.520 --> 0:37:22.440 Steve Hoffman, are a physician. What's your physician's take on 0:37:22.480 --> 0:37:25.400 this stuff? Are people killing themselves when they sip THHD 0:37:25.520 --> 0:37:26.400 and fuse beverages? 0:37:28.680 --> 0:37:32.799 You know, I think, like any other intoxicating substances, it's 0:37:32.840 --> 0:37:36.319 within reason. So if you're within reason and you're not 0:37:36.440 --> 0:37:41.560 going out and driving after taking large quantities of them, No, 0:37:42.160 --> 0:37:44.920 I don't think we know the long term health effects 0:37:44.960 --> 0:37:48.320 of these things. But you know, the early science says, 0:37:48.680 --> 0:37:51.760 you know, it's not that bad. You know, maybe beer 0:37:51.800 --> 0:37:54.799 and whiskey in the long term might be even worse 0:37:54.880 --> 0:37:58.680 for you, but you know, no real big negative effects 0:37:59.280 --> 0:37:59.879 currently known. 0:38:00.120 --> 0:38:01.239 Yeah, that we currently know. 0:38:01.320 --> 0:38:01.480 Now. 0:38:01.520 --> 0:38:04.600 The future is always you know, always changes, science always improves, 0:38:04.600 --> 0:38:06.680 and we listen to that science. But at the same time, 0:38:07.560 --> 0:38:10.160 I have a definitive right by God to put whatever 0:38:10.160 --> 0:38:13.600 it is on why my body. Plenty of people abuse substances, food, 0:38:13.719 --> 0:38:16.200 whatever it might be. I mean, you name me something 0:38:16.840 --> 0:38:18.759 in the world and I'll find somebody who abuses it. 0:38:18.760 --> 0:38:20.720 And you see that all the time in your practice, Steve, 0:38:21.000 --> 0:38:22.839 and have to deal with those kinds of things for sure, 0:38:22.840 --> 0:38:25.200 And you see the effects of people not taking care 0:38:25.200 --> 0:38:27.960 of their bodies and neglecting their health and focusing on 0:38:28.000 --> 0:38:30.200 too many vices. And when we say that declined. But 0:38:30.239 --> 0:38:33.200 again we all know that today. We know that cigarettes 0:38:33.200 --> 0:38:35.839 are carcinogen, We know that smoking is not good for you. 0:38:35.880 --> 0:38:38.240 We know about popcorn lung now with vaping and things 0:38:38.280 --> 0:38:40.920 like that. But again, you could do things in moderation, 0:38:41.040 --> 0:38:44.279 and it's fine to me. It just seems to not 0:38:44.320 --> 0:38:46.480 only be left to the adults to make a decision. 0:38:46.480 --> 0:38:50.000 Not kids, of course, but adults. And we know what 0:38:50.040 --> 0:38:53.200 we put in our bodies. I mean, it's not I 0:38:53.239 --> 0:38:55.319 don't think an exaggeration and think, okay, should there be 0:38:55.400 --> 0:38:58.880 a I don't know the side. Remember when more liberal 0:38:58.880 --> 0:39:01.879 states we're talking about banning the size of sodas, we're 0:39:01.880 --> 0:39:04.080 going to talk about regulating the fast food industry and 0:39:04.200 --> 0:39:06.399 only being allowed to get McDonald's once a month as 0:39:06.400 --> 0:39:08.440 I mean, how far does the government go. I hear 0:39:08.520 --> 0:39:10.760 these things, and you know, damnit, I'm a grown person. 0:39:11.400 --> 0:39:13.359 I can make an informed decision is what I want 0:39:13.360 --> 0:39:15.480 to consume and put in my own body. It should 0:39:15.520 --> 0:39:17.080 not be up to the governor with the stroke of 0:39:17.080 --> 0:39:19.680 a pen to undermine that. Because I think, in your 0:39:19.680 --> 0:39:23.840 opinion on this, Steve, does this at some level go 0:39:23.960 --> 0:39:26.280 against the will of the voters. Let's not forget almost 0:39:26.360 --> 0:39:29.799 six and ten people supported recreational marijuana and Ohio we 0:39:29.920 --> 0:39:32.399 generated over seven hundred million in the first year. At 0:39:32.400 --> 0:39:35.680 what point does the legislative modification of a voter approved 0:39:35.680 --> 0:39:38.280 citizen and it should have crossed the line from reasonable 0:39:38.280 --> 0:39:41.040 regulation and define the clear will of what people want. 0:39:42.400 --> 0:39:46.640 Well, I don't disagree with that a lot of that. 0:39:46.800 --> 0:39:50.440 But the beverages had nothing to do with the ballot 0:39:50.440 --> 0:39:54.000 initiative because we're talking hemp and the ballot initiative was 0:39:54.040 --> 0:39:59.600 strictly concerning marijuana. Yeah so, but you should, within reason, 0:39:59.680 --> 0:40:01.920 have the uh the right to do, you know. In 0:40:01.960 --> 0:40:06.160 the same for however you feel about tradum. You know, 0:40:06.520 --> 0:40:11.640 his pharmacy board last week is going to outlaw that, 0:40:11.880 --> 0:40:14.880 and many people feel that is of benefit for their 0:40:14.880 --> 0:40:15.440 own health. 0:40:17.120 --> 0:40:18.799 Yeah, let's say. I mean, I don't go the weave 0:40:18.840 --> 0:40:20.759 on that, but I think it's an excellent point. Stamfuffman 0:40:21.000 --> 0:40:23.000 is is creative. A lot of people know what that is. 0:40:23.040 --> 0:40:26.719 I mean I I personally don't use it. I don't 0:40:26.719 --> 0:40:29.480 really know anyone that does. It's been around for what's 0:40:29.520 --> 0:40:31.200 the substance what's a concern with cretum? 0:40:33.040 --> 0:40:36.280 Creative is something kind of like a t from East 0:40:36.320 --> 0:40:39.759 Asia that that many that that people use and they 0:40:39.800 --> 0:40:42.920 feel that it helps with anxiety and sleep and a 0:40:42.920 --> 0:40:46.359 lot of things that that that the hamp people do. 0:40:46.880 --> 0:40:50.919 But in that end, there there's a substance. The intoxicating 0:40:51.000 --> 0:40:54.640 substance is known as seven oh H and it is 0:40:55.400 --> 0:40:58.200 at a very very low level, so it's really not 0:40:58.320 --> 0:41:03.640 thought to be intoxicating. But just like camp they manufacturers 0:41:03.680 --> 0:41:06.480 will concentrate seven O H and put a large amount 0:41:06.560 --> 0:41:09.640 in there and then makes it dangerous, makes it makes 0:41:09.640 --> 0:41:14.359 it intoxicating, and and so that's uh, you know, we're 0:41:15.080 --> 0:41:19.879 you know, the pharmacy board is gonna band all of it. 0:41:20.000 --> 0:41:22.759 So but at the same time, we live in a 0:41:22.760 --> 0:41:25.640 country where you could get you know, an intoxicating marshroom 0:41:25.680 --> 0:41:28.120 tea or so some of those lines where you know, 0:41:28.280 --> 0:41:31.600 a tribal ancestors been using that for for eons, right 0:41:32.080 --> 0:41:33.960 and seemingly I don't know if there's all effects to 0:41:34.000 --> 0:41:37.279 that or not, but for some people they feel that 0:41:37.320 --> 0:41:38.120 it's therapeutic. 0:41:40.440 --> 0:41:43.680 I agree. I just you know, it's a scheduled uh 0:41:43.760 --> 0:41:46.160 it's not scheduled one, but he wants to make the 0:41:46.160 --> 0:41:48.440 scheduled one drugs so we can get rid of it. 0:41:49.040 --> 0:41:52.000 But there's no real scientific research, you know, a high 0:41:52.040 --> 0:41:55.520 state and you see and other highly academic places aren't 0:41:55.560 --> 0:41:59.880 really doing the research or haven't done the research to 0:42:00.000 --> 0:42:01.759 tell us this is good for you, and this is 0:42:01.800 --> 0:42:03.960 what it's it's you know, this is why it's mad. 0:42:04.080 --> 0:42:06.279 The cat's catch twenty two. It's a schedule one, so 0:42:06.320 --> 0:42:08.600 they can't research it. And then they people who made 0:42:08.640 --> 0:42:11.200 us schedule one say well there's not research. Yeah, because 0:42:11.239 --> 0:42:13.759 you made a schedule one. We can't do research on 0:42:13.880 --> 0:42:16.080 something that's that's that controlled. It's simple. 0:42:17.120 --> 0:42:21.839 Yeah. You know, how how about the great news from 0:42:21.840 --> 0:42:23.759 Donald Trump last week on marijuana? 0:42:23.800 --> 0:42:26.400 Really good? This is an odd game, isn't it. I 0:42:26.480 --> 0:42:30.160 mean you mentioned, okay, yeah, the Sistanist initiative and sixty 0:42:30.200 --> 0:42:34.439 percent of people wanting recreacial THC marijuana. You got, Well, 0:42:34.480 --> 0:42:38.759 that doesn't this this THHC, the CBD, THHG derivative liquids 0:42:39.080 --> 0:42:42.040 and the alcohol well not alcohols but the beverages. It's 0:42:42.040 --> 0:42:44.720 not really what the vote. But I get that argument 0:42:44.840 --> 0:42:46.480 the same time, it's I think the spirit of it 0:42:46.520 --> 0:42:48.640 is going, hey, you know what if I can smoke THC? 0:42:49.480 --> 0:42:51.600 What is it that far reach to think that that 0:42:51.640 --> 0:42:55.759 would include CBD derived beverages like this? And now that 0:42:55.800 --> 0:42:57.600 Trump is doing what he's doing, I think that's even 0:42:58.160 --> 0:43:01.360 more against what what Mike Line thanks with this vetout. 0:43:02.440 --> 0:43:05.640 No, I don't, I don't disagree. You know, when when 0:43:05.680 --> 0:43:07.399 Trump said that you know, I'm going to speed up 0:43:07.760 --> 0:43:14.480 the process of making the marijuana THHC a Scheduled three 0:43:14.520 --> 0:43:17.920 drug and Schedule one. It will be great for the 0:43:17.960 --> 0:43:21.440 banking industry. We can't you know, can't bank. It's all 0:43:21.520 --> 0:43:24.040 cash business in the dispensaries and in everything. 0:43:24.640 --> 0:43:24.799 Uh. 0:43:24.880 --> 0:43:28.160 And it'll provide the ability to do scientific research. And 0:43:28.239 --> 0:43:32.600 I am I'm hoping that, uh, the academic institutes in 0:43:32.640 --> 0:43:34.360 the state of Ohio will jump on it and be 0:43:34.400 --> 0:43:36.480 able to go out and get federal funding to say 0:43:37.040 --> 0:43:39.120 marijuana is good for you or it's bad for you, 0:43:39.200 --> 0:43:41.799 and let's settle this for you know, what type and 0:43:41.840 --> 0:43:43.879 how and what conditions. 0:43:44.280 --> 0:43:46.720 Steve another, by the way, that's the Ohio State Senator 0:43:46.760 --> 0:43:49.000 Steve Huffman on the show on seven hundred w OLW. 0:43:49.080 --> 0:43:52.280 I'm sure you heard Mike the line shockingly line item 0:43:52.400 --> 0:43:55.239 vetoed a provision in our state CBD law. You know, 0:43:55.280 --> 0:43:58.880 the the CBD slash THHD infused beverages that a lot 0:43:58.880 --> 0:44:02.720 of people enjoy. That's spurned an entire industry that's rapidly 0:44:02.760 --> 0:44:05.840 growing as big as a craft bret beer industry. And 0:44:05.840 --> 0:44:07.320 it was I think in a few years of clips 0:44:07.360 --> 0:44:09.120 that because so many people want this stuff. Mke the 0:44:09.239 --> 0:44:12.040 wine ban that in Ohio. So all these companies that 0:44:12.160 --> 0:44:14.680 leaned in and invested the small brewers, the rhyin geis 0:44:14.719 --> 0:44:17.600 the fifty west of the world and others are no 0:44:17.680 --> 0:44:19.560 longer in ninety days going to be able to sell 0:44:19.600 --> 0:44:23.120 and produce that stuff. And so six thousand plus people 0:44:23.120 --> 0:44:26.200 and so six thousand small businesses alone, by the way, businesses, 0:44:26.239 --> 0:44:30.040 not people, but six thousand businesses are no longer going 0:44:30.080 --> 0:44:31.799 to be able to compete in the sphere, despite the 0:44:31.960 --> 0:44:36.040 massive demand by millions of adult Ohioans that want this stuff. 0:44:36.800 --> 0:44:38.800 The other element here too, we had talked about, I 0:44:38.840 --> 0:44:43.480 think last time around Steve about protections for housing, employment, 0:44:43.640 --> 0:44:46.520 organ donation, stuff like that. Is that been removed by 0:44:46.520 --> 0:44:47.640 the governors. That's still in there. 0:44:49.080 --> 0:44:54.000 It's still in there. Basically, those things are things that 0:44:55.680 --> 0:44:59.960 mere previous laws. I don't believe there was anything really 0:45:00.840 --> 0:45:03.560 new in there. I mean, if you're a smoker, you 0:45:03.600 --> 0:45:08.600 can be banned from an organ transplant because of scientific 0:45:08.640 --> 0:45:12.520 studies that show that you and so that's why it 0:45:12.560 --> 0:45:15.319 was the you know, the organ band is still has 0:45:15.400 --> 0:45:17.560 been included in there. 0:45:17.840 --> 0:45:20.880 Is there a connection medically, Steve, between the organ donation 0:45:21.040 --> 0:45:23.320 and marijuana. Why would you be excluded. 0:45:22.920 --> 0:45:28.080 From that, if I remember right, the law doesn't say 0:45:28.080 --> 0:45:31.600 that you are excluded. It says if there's a scientific basis, 0:45:31.640 --> 0:45:37.080 you can be excluded if if they feel hey, look 0:45:37.120 --> 0:45:40.680 if if if science shows that if you smoke marijuana 0:45:40.719 --> 0:45:44.120 and you get a liver transplant plant, your likelihood of 0:45:44.239 --> 0:45:48.200 rejection as higher. If the science is there, then we 0:45:48.239 --> 0:45:51.040 should should stick by it. But we shouldn't just totally 0:45:51.560 --> 0:45:56.200 get rid of that not based on science. 0:45:56.440 --> 0:45:58.480 Yeah, I mean, if it's science says that you have 0:45:58.520 --> 0:46:01.839 a higher rate of not not being able to get 0:46:01.840 --> 0:46:03.360 the organ, so it's kind of a waste of that 0:46:03.360 --> 0:46:05.719 pressure tree. So I kind of get that element. One 0:46:05.719 --> 0:46:07.960 of the thing I saw too was allowing police to 0:46:08.040 --> 0:46:10.920 establish probable cause during traffic stops because someone is a 0:46:11.000 --> 0:46:13.360 known user of marijuana. Is that still part of this. 0:46:15.560 --> 0:46:19.279 I can't remember, but again I think that was you know, 0:46:20.320 --> 0:46:26.680 restated from previously that you know, when we initially did 0:46:27.840 --> 0:46:31.480 the medical marijuana law back in twenty sixteen, most of 0:46:31.480 --> 0:46:34.360 the drug dogs in the state were became obsolete because 0:46:34.360 --> 0:46:37.200 when they smelled marijuana, they would have hit and they 0:46:37.400 --> 0:46:39.239 you couldn't tell if it was a legal substance or 0:46:39.239 --> 0:46:42.239 an illegal substance or where they derived it from. So 0:46:42.880 --> 0:46:45.520 that caused a lot of a lot of trouble. But 0:46:46.160 --> 0:46:48.600 you know they if they still have probable cause not 0:46:48.640 --> 0:46:53.120 because you're smoking, because they feel you're impaired, they would 0:46:53.160 --> 0:46:56.080 be able to do a field sobriety test. 0:46:56.160 --> 0:46:58.520 Yeah, a lot of contradictions here. It just leads one scratching. 0:46:58.520 --> 0:47:01.080 There is there any remedy here for manufacturers? And I'll 0:47:01.080 --> 0:47:03.160 try to get somebody on maybe from Ryan Guister fifty 0:47:03.160 --> 0:47:07.600 West to talk about this later on. Is this fight 0:47:07.640 --> 0:47:10.560 completely over to this? In the overturned. 0:47:11.200 --> 0:47:13.760 Well, in the original bill, the House and the Senate 0:47:13.760 --> 0:47:16.520 and had an agreement that we would, you know, the 0:47:16.560 --> 0:47:18.480 Feds are going to get rid of it in a 0:47:18.560 --> 0:47:21.920 year in November twenty six if they change things, that 0:47:22.000 --> 0:47:26.080 we would look at that and see because we didn't 0:47:26.080 --> 0:47:29.600 have time to put taxes on as regulations in the 0:47:29.600 --> 0:47:33.520 whole scheme of things, so we kept the plan was 0:47:33.520 --> 0:47:36.200 to keep it till November, so we can re look 0:47:36.280 --> 0:47:39.560 at it from that. But from that aspect and see 0:47:39.560 --> 0:47:43.719 if Governor DeWine has a different view of it, we 0:47:43.760 --> 0:47:47.359 could look at a veto override it would take two 0:47:47.400 --> 0:47:50.880 thirds of each each body so there are some things 0:47:51.719 --> 0:47:55.640 we could reintroduce this, you know, when there's a new governor. 0:47:56.280 --> 0:47:59.239 Well that won't be long, that won't be much either year, 0:47:59.239 --> 0:48:02.520 but still ramping down production, ramping it back up. I 0:48:02.520 --> 0:48:05.160 don't know what to tell the six thousand small businesses 0:48:05.160 --> 0:48:06.719 out that have invested in this stuff when it was 0:48:06.719 --> 0:48:09.719 illegal yesterday, now it's illegal today or ninety days. I 0:48:09.719 --> 0:48:13.400 should say, Steve, my head is scratching. You're you're scratching 0:48:13.440 --> 0:48:15.560 your head, I'm sure, but we'll leave it at that, 0:48:15.800 --> 0:48:17.920 and you have a merry Christmas. Thanks again for a 0:48:18.040 --> 0:48:19.880 joining the show and keep us updated and what the 0:48:19.880 --> 0:48:20.520 future holds for this. 0:48:21.600 --> 0:48:24.040 Yeah, Merry Christmas to you and your family and all 0:48:24.080 --> 0:48:24.520 your listeners. 0:48:24.600 --> 0:48:28.280 You take care of Scott. Thanks against Steve. That's Ohio 0:48:28.360 --> 0:48:30.920 State Senator Steve Hoffman from just the Tips city just 0:48:30.960 --> 0:48:36.640 north of Dayton and Mike to wine again allegedly pro business. 0:48:36.680 --> 0:48:38.839 I don't know how this is pro business, pro pro 0:48:39.280 --> 0:48:43.600 consumer because it goes against the face of the hottest 0:48:43.600 --> 0:48:48.759 growing beverage. I guess niche in the state right now, 0:48:48.800 --> 0:48:50.480 if not the country, for that manner, we don't want 0:48:50.480 --> 0:48:52.920 any part of it. Why it's about the children oh 0:48:52.960 --> 0:48:58.040 my god. Stop seven hundred w welw. Everyone needs help 0:48:58.080 --> 0:49:01.000 every now and then, and it's easier to help us 0:49:01.040 --> 0:49:04.160 get our heads right. This is Mental Health Monday with 0:49:04.239 --> 0:49:07.120 mental health expert Julie Hettershire. All right, it's hard to 0:49:07.160 --> 0:49:10.200 believe that twenty twenty five is coming to a close 0:49:11.120 --> 0:49:14.160 and the end of the year calendar. You know, we've 0:49:14.200 --> 0:49:16.520 got a lot crammed in there, lots go on, lots 0:49:16.560 --> 0:49:18.640 to do, a lot of things to wrap up at 0:49:18.680 --> 0:49:19.399 the end of the year. 0:49:19.440 --> 0:49:19.640 You know. 0:49:19.719 --> 0:49:21.840 One of the things we'll talk later is about credit 0:49:21.880 --> 0:49:24.360 reports and pulling those look at those, you know, financial 0:49:24.360 --> 0:49:27.719 advice Andy Schaeffer tomorrow. Beyond talking about that in one 0:49:27.800 --> 0:49:30.960 area though people often don't think about it, and that 0:49:31.239 --> 0:49:33.840 is what Julie's here to talk about this morning on 0:49:33.840 --> 0:49:36.720 seven hundred WW Julie hat to share our licensed mental 0:49:36.760 --> 0:49:39.520 health expert. It's Mental Health Monday on the Scotsland Show. Welcome. 0:49:39.560 --> 0:49:41.160 How are you hey? 0:49:41.200 --> 0:49:41.640 I great? 0:49:41.640 --> 0:49:41.920 Thanks? 0:49:41.920 --> 0:49:42.200 Helly? 0:49:42.200 --> 0:49:42.719 You good? 0:49:42.800 --> 0:49:44.440 Ready for the holidays? Ready for the what do you 0:49:44.520 --> 0:49:46.040 got gone for the holidays? 0:49:47.040 --> 0:49:49.439 We're having family over on Christmas and then a couple 0:49:49.520 --> 0:49:51.520 of days later we're taking off for a week going 0:49:51.560 --> 0:49:52.760 someplace warm and beachy. 0:49:52.800 --> 0:49:53.640 It's going to be lovely. 0:49:53.760 --> 0:49:56.920 Oh nice, good time to get away, all right. So 0:49:57.440 --> 0:49:59.960 this one weird trick for your mental health would be what. 0:50:01.600 --> 0:50:03.360 Well, this is something that I've been doing for a 0:50:03.400 --> 0:50:05.880 few years. I didn't invent it. Lots of people do it, 0:50:05.920 --> 0:50:08.320 and it's called sort of a year end life review. 0:50:08.880 --> 0:50:12.000 And you know, businesses do year end reviews. You if 0:50:12.040 --> 0:50:14.120 you're an employee of a business, you very often get 0:50:14.160 --> 0:50:17.880 a performance review annually. But we don't often take a 0:50:17.880 --> 0:50:21.080 look at our own lives in a holistic way and 0:50:21.320 --> 0:50:24.719 ask ourselves some questions and reflect on what went well 0:50:24.760 --> 0:50:26.960 and what didn't go as well over the course of 0:50:27.000 --> 0:50:28.799 the year so that we can set ourselves up for 0:50:28.880 --> 0:50:31.680 success going into the following year. And I think I've 0:50:31.680 --> 0:50:33.719 been doing this about four or five years now, and 0:50:33.880 --> 0:50:36.320 I love it. I love the whole process. 0:50:36.600 --> 0:50:38.040 So I thought we could talk about. 0:50:37.800 --> 0:50:40.440 It as a way to close out twenty five and 0:50:40.480 --> 0:50:42.440 set ourselves up for success. 0:50:42.440 --> 0:50:45.879 It's like a personal annual self review sort of thing. 0:50:45.960 --> 0:50:48.839 You got to tact grow. Most of us, though, tend 0:50:48.880 --> 0:50:51.040 to yeah, people like, hey, you know something bad, I 0:50:51.040 --> 0:50:53.279 don't want to talk about it, ignore it. But there 0:50:53.280 --> 0:50:54.880 are those of us that tend to just focus on 0:50:54.920 --> 0:50:56.960 the future because you know, I can't change what happened. 0:50:57.160 --> 0:50:58.839 I can learn from it and move forward. I don't 0:50:58.840 --> 0:51:01.040 really want to look back. Is that flawed thinking? 0:51:02.200 --> 0:51:04.719 Well, you can learn from it and move forward, but 0:51:04.800 --> 0:51:07.080 only if you take the time to reflect on not 0:51:07.160 --> 0:51:10.840 only what happened, but what it meant and why it happened, 0:51:11.320 --> 0:51:14.880 and how maybe to prevent what you didn't like, and 0:51:15.040 --> 0:51:18.799 to optimize for and maximize what you did like. So 0:51:18.960 --> 0:51:21.239 if business has just closed out their books at the 0:51:21.320 --> 0:51:24.520 end of the year and started fresh the following year 0:51:24.520 --> 0:51:27.840 without learning lessons positive or negative from what happened in 0:51:27.880 --> 0:51:30.640 the prior year, they wouldn't have the level of success 0:51:30.800 --> 0:51:33.799 that they do. If they do a comprehensive review, what 0:51:33.840 --> 0:51:35.839 were our hits, what were our this is what went well, 0:51:35.920 --> 0:51:38.680 what didn't and why, and move forward from that. So 0:51:38.719 --> 0:51:41.319 it's not really dwelling in the past. It's learning from 0:51:41.360 --> 0:51:44.320 your year to set yourself up for an even better 0:51:44.400 --> 0:51:45.279 year to come. 0:51:45.400 --> 0:51:48.000 All right, So seven point maintenance check. You're like your car, 0:51:48.000 --> 0:51:48.520 what do you got? 0:51:49.520 --> 0:51:49.960 Yeah? 0:51:50.000 --> 0:51:53.880 So the first one is and I don't didn't do 0:51:53.920 --> 0:51:56.200 this when this article that I we are going to 0:51:56.239 --> 0:51:58.279 list in the show notes is one that I really liked. 0:51:58.320 --> 0:52:00.279 And the first question that the guy asked is what 0:52:00.320 --> 0:52:03.440 did I change my mind about this year? What did 0:52:03.480 --> 0:52:06.240 I think I knew, or what did I think was true? 0:52:06.680 --> 0:52:08.320 Or what did I think was right. 0:52:08.560 --> 0:52:10.200 That I learned wasn't. 0:52:10.600 --> 0:52:13.120 Because one of the things that we know about mental 0:52:13.200 --> 0:52:18.200 well being, both cognitive and emotional into old age is 0:52:18.200 --> 0:52:22.120 that cognitive flexibility is really important. Being able to think 0:52:22.200 --> 0:52:25.520 something is true and then being able to find evidence 0:52:25.560 --> 0:52:28.560 that indicates it's not, being able to consider that evidence 0:52:28.600 --> 0:52:32.360 and maybe change your mind. This mental and cognitive flexibility 0:52:32.760 --> 0:52:36.600 is really important for emotional well being but also cognitive 0:52:36.600 --> 0:52:40.080 health as you enter later into life, and so being 0:52:40.120 --> 0:52:44.640 able to take a look at what you believed and 0:52:44.760 --> 0:52:47.400 what you might have changed your mind about and how 0:52:47.480 --> 0:52:50.399 cognitively flexible you were over the course of the year, 0:52:50.520 --> 0:52:54.120 and then also what those changes meant. So you may 0:52:54.160 --> 0:52:57.040 have thought A was true, you realize at that point 0:52:57.040 --> 0:52:58.920 A is not true for you. I mean, it may 0:52:58.960 --> 0:53:01.160 be factually true, but it doesn't work for you anymore. 0:53:01.200 --> 0:53:03.680 So you change your mind about it, And what does 0:53:03.719 --> 0:53:05.919 that do for you during the rest of the year, 0:53:05.960 --> 0:53:07.439 How does that impact your life? 0:53:07.480 --> 0:53:08.160 Going forward. 0:53:08.440 --> 0:53:10.000 So being able to take a look at that is 0:53:10.040 --> 0:53:10.720 really important. 0:53:10.800 --> 0:53:13.239 Okay, we're in the post truth world, though, and many 0:53:13.239 --> 0:53:17.000 more people would rather be right than finding the truth. 0:53:18.280 --> 0:53:21.000 Well, in that case, then this question may not appeal 0:53:21.040 --> 0:53:22.160 to them, but I. 0:53:22.080 --> 0:53:22.600 Look at it. 0:53:23.840 --> 0:53:25.560 I look at it at it as sort of you know, 0:53:25.640 --> 0:53:28.640 software updates for your brain. You know, you update your phones, 0:53:28.719 --> 0:53:31.840 you update your computer. Things that used to work didn't 0:53:31.880 --> 0:53:35.080 work anymore, lands that you tried. So, for example, I 0:53:35.120 --> 0:53:38.319 tried to scheduling tactic with some of my clients over 0:53:38.320 --> 0:53:39.600 the last couple of months of the year. 0:53:39.960 --> 0:53:41.960 Wasn't a huge hit. Not going to do it anymore. 0:53:42.040 --> 0:53:44.160 Thought it would be. Tried it, it wasn't. I'm not 0:53:44.200 --> 0:53:46.080 going to do it anymore. It doesn't have to. 0:53:46.000 --> 0:53:47.080 Be actual facts. 0:53:47.120 --> 0:53:49.719 It can just be I tried this, it didn't work, 0:53:49.760 --> 0:53:52.040 I changed my mind. I did something else. But how 0:53:52.080 --> 0:53:53.480 cognitively flexible are you? 0:53:53.560 --> 0:53:54.120 Okay? Good? 0:53:54.520 --> 0:53:54.960 Next up? 0:53:56.880 --> 0:53:58.120 What gave you energy? 0:53:58.719 --> 0:54:00.640 What we energy you? 0:54:01.000 --> 0:54:03.280 Whether it's physical energy from. 0:54:03.120 --> 0:54:06.600 Working out, sleeping more, and eating better, whether it's energy 0:54:06.640 --> 0:54:09.520 from being with different kinds of people, whether you started 0:54:09.560 --> 0:54:12.759 a new hobby or a new project. 0:54:12.280 --> 0:54:16.359 That really really got you juiced. What gave you energy. 0:54:16.040 --> 0:54:18.200 This year and take a look not only at the 0:54:18.280 --> 0:54:21.160 thing itself, but sort of a larger theme and see 0:54:21.160 --> 0:54:25.440 how you can incorporate more energy promoting things into your 0:54:25.480 --> 0:54:26.480 life going forward. 0:54:26.520 --> 0:54:27.600 So, if you did a. 0:54:27.520 --> 0:54:29.799 Home reno project for the first time and you found 0:54:29.840 --> 0:54:32.480 you really liked it, are there more things like that 0:54:32.480 --> 0:54:37.920 that you can do to create positive, generative, life affirming 0:54:38.080 --> 0:54:42.840 energy in your world? And what really got you turned 0:54:42.880 --> 0:54:45.520 on and got you juiced this year is another really 0:54:45.560 --> 0:54:46.360 good question. 0:54:46.120 --> 0:54:48.080 To ask, gotcha all right that? No, that makes a 0:54:48.120 --> 0:54:50.520 lot of sense and find that and then maximize that 0:54:50.640 --> 0:54:53.000 for the next year, obviously would be the suggestion there. 0:54:53.640 --> 0:54:56.239 Yes, maximize that for the next year. If being with 0:54:56.360 --> 0:54:59.200 certain types of people really work, do more of that? 0:54:59.480 --> 0:54:59.600 Right? 0:54:59.680 --> 0:54:59.879 Good? 0:55:00.280 --> 0:55:02.759 And then and then the flip of that is what 0:55:02.880 --> 0:55:06.759 drained your energy? What were the vampires? What sucked your 0:55:06.840 --> 0:55:10.479 energy this year? Was it people that you spent time 0:55:10.520 --> 0:55:13.719 with certain people? Was it activities or projects that you 0:55:13.760 --> 0:55:16.839 were involved in. Was it staying up too late if 0:55:16.840 --> 0:55:19.200 we're talking about physical well being, was it staying up 0:55:19.239 --> 0:55:23.080 too late? What really sucked your energy this year? And 0:55:23.520 --> 0:55:25.560 if you can take a look again at the overall 0:55:25.600 --> 0:55:29.040 themes of that, then you can try to minimize those 0:55:29.440 --> 0:55:32.520 and optimize for the things that at least or neutral, 0:55:32.560 --> 0:55:34.680 if not create energy in your life. 0:55:35.000 --> 0:55:37.799 Okay, yeah, it makes sense. You got a look at 0:55:37.800 --> 0:55:42.040 the it's yin and yang understandably, Julie Hatter's here the 0:55:42.200 --> 0:55:44.319 term boat anchor. We know a boat anchor is, but 0:55:44.400 --> 0:55:46.360 how does it apply to what we're talking about here. 0:55:47.320 --> 0:55:49.560 Well, for all of us, we have some things in 0:55:49.600 --> 0:55:51.719 our life that kind of hold us back. They don't 0:55:51.760 --> 0:55:54.080 necessarily prevent us from getting where we want to go, 0:55:54.120 --> 0:55:56.759 but they make it harder. So, you know, we have 0:55:56.920 --> 0:55:59.800 maybe an unsupportive spouse if we're trying to get healthier, 0:56:00.160 --> 0:56:02.400 or we have a boss who doesn't really seem to 0:56:03.239 --> 0:56:06.000 put our ideas forward. We have to work really hard 0:56:06.040 --> 0:56:09.640 to get anywhere with that person. Or we have some 0:56:09.880 --> 0:56:13.760 beliefs that seem to hold us back from doing our best, 0:56:13.800 --> 0:56:17.719 like women can't be successful, or I shouldn't make too 0:56:17.800 --> 0:56:20.560 much money or whatever. 0:56:20.280 --> 0:56:21.840 That can kind of hold us back. 0:56:23.280 --> 0:56:25.920 And so just taking a look at what those things 0:56:26.000 --> 0:56:29.800 might be that aren't necessarily preventing you from getting somewhere, 0:56:29.800 --> 0:56:31.520 but are making it harder. 0:56:31.160 --> 0:56:32.880 For you to get where you want to go. You 0:56:32.920 --> 0:56:34.719 have to work twice as hard to get half as far. 0:56:35.120 --> 0:56:37.240 Those are boat anchors, and just kind. 0:56:37.120 --> 0:56:40.799 Of understanding in your own life what those are and 0:56:40.840 --> 0:56:46.640 then minimizing, eliminating if you can, or figuring out how 0:56:46.640 --> 0:56:50.960 to work around them so that you can maximize your 0:56:51.000 --> 0:56:53.560 success and your potential and your happiness in the new 0:56:53.640 --> 0:56:55.640 year can be really impactful. 0:56:55.680 --> 0:56:56.560 We tend to look at the. 0:56:56.520 --> 0:56:59.200 Things that stop us, but we don't necessarily tend to 0:56:59.200 --> 0:57:01.000 look at the things that flow us down or make 0:57:01.040 --> 0:57:02.360 things harder than they ought to be. 0:57:02.680 --> 0:57:04.799 Yeah, because you're dragging that anchor, is what you're doing. 0:57:05.440 --> 0:57:07.279 But for many people, isn't that going to be your 0:57:07.360 --> 0:57:09.359 career or your job? And what does that mean? 0:57:10.440 --> 0:57:12.680 Well, it might be for sure. And one of the 0:57:12.719 --> 0:57:15.000 things that this life review can let you do is 0:57:15.080 --> 0:57:17.080 if you are in a career a job that you 0:57:17.200 --> 0:57:19.760 really don't like and that really is an energy suck 0:57:19.840 --> 0:57:23.240 for you, then you can take a look at maximizing 0:57:23.320 --> 0:57:26.680 the positives in other areas of your life to sort 0:57:26.720 --> 0:57:31.280 of balance out the negative of the work. I realize 0:57:31.320 --> 0:57:33.920 not everybody loves their work like I do, and so 0:57:34.200 --> 0:57:38.040 being able to maximize the positives the projects, the hobbies, 0:57:38.080 --> 0:57:42.960 the people. The activities, the habits that really build your 0:57:43.120 --> 0:57:46.240 energy and build the positivity in your life can work 0:57:46.240 --> 0:57:49.880 to offset some of the negativity around maybe your job, 0:57:50.080 --> 0:57:52.680 maybe a family situation that you can't get out of, 0:57:52.800 --> 0:57:55.480 maybe a health situation that you can't get out of. 0:57:55.520 --> 0:57:58.360 I mean, boat anchors can certainly be poor health. That 0:57:58.480 --> 0:58:01.360 doesn't prevent you something, but it just makes it harder. 0:58:01.680 --> 0:58:06.240 You're in pain or movement is hard. So maximizing the 0:58:06.320 --> 0:58:09.560 positive can help offset some of the negative or minimize 0:58:09.560 --> 0:58:11.440 the impact of some of the negatives. 0:58:12.120 --> 0:58:13.920 It's mental Health Money and the Scott's Loan Show on 0:58:13.960 --> 0:58:17.040 seven hundred WLW. She's July how to share local licensed 0:58:17.040 --> 0:58:20.320 mental health therapist and the Personal Annual Review, which very 0:58:20.320 --> 0:58:24.160 few people do, and it certainly is it has great appeal. 0:58:24.280 --> 0:58:25.760 I think you know you want to be a better 0:58:25.800 --> 0:58:27.560 version of yourself in twenty twenty six and you were 0:58:27.680 --> 0:58:29.840 twenty five. And there are seven things you should do 0:58:29.880 --> 0:58:33.160 if you do your own self analysis mental health analysis, 0:58:33.200 --> 0:58:35.960 one being what did I change my mind on this year? 0:58:36.000 --> 0:58:39.479 The second one is what created energy? Then what took 0:58:39.520 --> 0:58:42.800 my energy away? Number four is what are the boat 0:58:42.840 --> 0:58:45.000 anchors in my life? And that brings us to number five. 0:58:45.960 --> 0:58:48.400 Yeah, what could I not do because I was afraid? 0:58:48.600 --> 0:58:50.560 What did I want to do but I didn't do? 0:58:50.720 --> 0:58:52.000 Because I was afraid? 0:58:52.680 --> 0:58:53.920 For me? That would be skiing. 0:58:54.000 --> 0:58:57.360 Skiing terrifies me. I'd really like to I'd really like 0:58:57.440 --> 0:59:00.080 to learn, but I get so freaked out about that. 0:59:00.280 --> 0:59:01.440 There's no way I think I'll. 0:59:01.320 --> 0:59:03.640 Ever be able to scary about skiing. 0:59:05.160 --> 0:59:09.520 I can't stop, and stopping is a really important part. 0:59:09.640 --> 0:59:15.680 You can trust me, you can stop. It may not 0:59:15.800 --> 0:59:18.720 be pretty, but you can stop yourself. 0:59:18.520 --> 0:59:21.440 It may be a freaking yard sale when I stop, 0:59:21.560 --> 0:59:23.280 and I may take others down with me. 0:59:23.360 --> 0:59:24.400 It could be really ugly. 0:59:24.560 --> 0:59:26.160 I'm gonna take you ski and that you know what 0:59:26.200 --> 0:59:28.760 I'm gonna let's do that. We should make a play day. 0:59:28.920 --> 0:59:30.600 I'm gonna take you ski date. 0:59:30.720 --> 0:59:31.040 All right. 0:59:31.080 --> 0:59:32.120 You've never skied before. 0:59:33.280 --> 0:59:35.120 I have, and I'm really bad. 0:59:34.880 --> 0:59:35.560 At it, all right. 0:59:35.600 --> 0:59:36.480 I haven't scanned. 0:59:36.360 --> 0:59:37.960 You many times and I'm really bad. 0:59:38.080 --> 0:59:39.760 Okay, all right, we may have to do that and 0:59:39.800 --> 0:59:42.160 break your fear of that. So I'll go out to 0:59:42.160 --> 0:59:44.680 perfect North, all right. So what did I not do? 0:59:44.760 --> 0:59:46.800 Because of fear? And a lot of people have move 0:59:46.800 --> 0:59:48.960 There's some people that are extremely brave, they'll do anything. 0:59:49.320 --> 0:59:52.120 But man, you don't fear. It gets in your head 0:59:52.120 --> 0:59:53.680 and that's a huge problem. 0:59:54.600 --> 0:59:58.520 Yeah it is, and you know, you can take a 0:59:58.520 --> 1:00:00.280 look at it. I didn't do this thing becau as I 1:00:00.320 --> 1:00:02.720 was afraid. What would have been the upsides if I 1:00:02.800 --> 1:00:04.720 had done it? What would have been the downsides? 1:00:04.800 --> 1:00:05.520 Now that it's. 1:00:05.360 --> 1:00:07.680 Past and I'm looking at it in the rear view mirror, 1:00:07.840 --> 1:00:10.480 I can maybe take a more clear eyed look at 1:00:10.520 --> 1:00:14.200 it and recognize where the fear came from. And fear 1:00:14.320 --> 1:00:17.160 comes from being new at something, from not knowing how 1:00:17.200 --> 1:00:20.480 to do it, from being inexperienced. Very often, it doesn't 1:00:20.520 --> 1:00:24.680 come from being incompetent. It usually comes from being inexperienced 1:00:24.720 --> 1:00:27.120 and new, and the only way to get experience is 1:00:27.160 --> 1:00:27.880 to do things. 1:00:28.240 --> 1:00:29.920 So there's a really. 1:00:29.680 --> 1:00:31.800 Great book out there called Feel the Fear and Do 1:00:31.880 --> 1:00:33.960 It Anyway. I can't remember who wrote it, but it's 1:00:34.040 --> 1:00:36.400 a classic. It's been around for a long time, and 1:00:36.480 --> 1:00:39.360 it talks about how fear can actually motivate and energize 1:00:39.360 --> 1:00:40.280 you to do things if. 1:00:40.200 --> 1:00:41.280 You harness it correctly. 1:00:41.600 --> 1:00:43.680 But I think taking a look at our year and saying, 1:00:43.800 --> 1:00:46.280 what did I not do because I was afraid can 1:00:46.360 --> 1:00:48.960 set us up to be braver going into the new 1:00:49.040 --> 1:00:55.000 year and to really more clearly analyze the risks and benefits. 1:00:55.440 --> 1:00:58.480 Yeah, yeah, and that's true. The fear thing is true, 1:00:58.600 --> 1:01:03.640 especially the more of a competitor or someone who's a perfectionist, 1:01:03.640 --> 1:01:05.520 because that fear gets in your head and it'll prevent 1:01:05.520 --> 1:01:07.240 you from doing things in life that you enjoy. And 1:01:07.240 --> 1:01:08.200 that's a whole different matter. 1:01:09.200 --> 1:01:10.240 Yeah, it really can. 1:01:10.720 --> 1:01:13.479 Yeah. Yeah. Greatest hits and worst missus number six. 1:01:14.600 --> 1:01:17.240 Yeah, So I think it's important to take a look. 1:01:17.040 --> 1:01:20.480 At what went well, really well, and what didn't go 1:01:20.600 --> 1:01:23.840 so well and optimized for what did go well. We 1:01:23.920 --> 1:01:26.680 learn as much from analyzing what works as we do 1:01:26.760 --> 1:01:30.200 from analyzing what doesn't work, because sometimes we think it 1:01:30.280 --> 1:01:32.160 worked and we don't need to pay attention to it, 1:01:32.240 --> 1:01:35.720 but oftentimes the reasons why it worked, the ingredients for 1:01:35.800 --> 1:01:39.160 the hit are replicable if we understand what they are, 1:01:39.480 --> 1:01:42.080 so we tend to take apart the missus the things 1:01:42.120 --> 1:01:45.680 that didn't work and really analyze those deeply. It's also 1:01:45.760 --> 1:01:48.400 important to analyze what did go well and understand why, 1:01:48.440 --> 1:01:50.600 so you can do more of what works, which is 1:01:50.640 --> 1:01:55.440 a great, great tactic, and it's important to do a balance, 1:01:55.520 --> 1:01:57.480 not just look at the things that didn't go well, 1:01:57.600 --> 1:02:00.440 because the pessimist tends to do that. Optimists to look 1:02:00.480 --> 1:02:03.120 at what worked, but take a balanced view what worked 1:02:03.120 --> 1:02:05.919 and what didn't, and understand a little bit about why 1:02:05.920 --> 1:02:09.000 that is, so that going forward you can optimize for 1:02:09.080 --> 1:02:10.920 the positives and minimize the negatives. 1:02:11.320 --> 1:02:13.640 All right, So Albert Einstein famous you said, when you 1:02:13.640 --> 1:02:16.200 stop learning, you start dying, and that would be number seven. 1:02:16.280 --> 1:02:17.520 What did you learn this year? 1:02:18.360 --> 1:02:21.320 Yeah? What did you learn? What new thing did you learn? 1:02:21.600 --> 1:02:24.320 It might be something you changed your mind about, as 1:02:24.320 --> 1:02:26.840 in question one, it might be a whole new thing 1:02:26.920 --> 1:02:28.920 you learned. Did you learn to play piano? Did you 1:02:29.000 --> 1:02:31.080 learn that you like spicy food when you didn't think 1:02:31.080 --> 1:02:33.160 you did. Did you learn how to ski? Maybe that's 1:02:33.160 --> 1:02:35.600 me next year with you. But what did you learn 1:02:35.640 --> 1:02:38.760 this year? What new thing did you try? What were 1:02:38.760 --> 1:02:41.440 you willing to be a beginner at? What did you 1:02:41.480 --> 1:02:44.360 allow life to surprise you with? What did you learn 1:02:44.440 --> 1:02:48.040 this year? Because we really are creatures that are meant 1:02:48.040 --> 1:02:50.680 to grow and learn until the day we die, and 1:02:50.800 --> 1:02:54.440 oftentimes we get stuck in our bubbles of competence. 1:02:54.440 --> 1:02:55.439 We know how to do this. 1:02:55.400 --> 1:02:57.560 We know we like this, we know we like to 1:02:57.600 --> 1:02:59.720 go there, and we keep doing the same thing over 1:02:59.760 --> 1:03:03.120 and over. So did you expand your horizons in any way? 1:03:03.160 --> 1:03:05.880 Did you broaden your world and make it bigger and richer? 1:03:05.920 --> 1:03:06.439 In any way? 1:03:06.440 --> 1:03:09.240 Did you learn something new? And what was that and 1:03:09.280 --> 1:03:12.120 what impacts that have on you? And how can you 1:03:12.160 --> 1:03:14.400 maybe do more of that going into the future. 1:03:15.000 --> 1:03:18.440 Okay, makes sense. Julie Hatter Share a licensed mental health therapist. 1:03:18.520 --> 1:03:21.120 Your own personal annual review in your head? What did 1:03:21.120 --> 1:03:24.080 you change your mind on this year? What created energy? 1:03:24.160 --> 1:03:26.680 What drained your energy? What are the boat anchors in 1:03:26.720 --> 1:03:28.520 your life? The things slowing you down? What did you 1:03:28.560 --> 1:03:30.760 do because of fear or did not do because of fear? 1:03:31.400 --> 1:03:33.880 Greatest hits worth, missus, and what you learned this year. 1:03:34.000 --> 1:03:36.840 I'll kind of center around the same theme. But and 1:03:37.040 --> 1:03:39.120 if you do this, you have a greater direction of 1:03:39.160 --> 1:03:41.240 what twenty twenty six is going to look for you. 1:03:42.000 --> 1:03:44.320 I appreciate you so much and thanks for joining the 1:03:44.320 --> 1:03:46.200 show every Monday all this year, and I look forward 1:03:46.240 --> 1:03:49.560 to meeting up with you and maybe skiing in twenty 1:03:49.560 --> 1:03:50.240 twenty sixth. 1:03:50.120 --> 1:03:53.080 Joly, it sounds great. We'll talk soon. 1:03:53.120 --> 1:03:55.960 Take care Merry Christmas. Be well, my friend, let's do 1:03:56.000 --> 1:03:58.480 a news update and boor to follow here it's a 1:03:58.480 --> 1:04:01.880 Scott's Loan show on the home of the best Bengals coverage, 1:04:01.880 --> 1:04:05.480 Big Dub Yesterday, Big Dub's Baby seven hundred WW Cincinnati. 1:04:05.640 --> 1:04:06.240 Do you want to. 1:04:06.200 --> 1:04:07.880 Be an Americans? 1:04:08.720 --> 1:04:11.440 Got flowing seven hundred W A guest the leads the 1:04:11.520 --> 1:04:18.080 nation in spam and scam messaging. This guy, Ohio, congratulations 1:04:18.760 --> 1:04:21.320 and study just came out and said, we get more 1:04:21.400 --> 1:04:25.640 junk mail, more phishing emails, more fake texts or tolls 1:04:25.680 --> 1:04:29.160 we never went through and have to pay. It's incredible. 1:04:29.160 --> 1:04:30.520 I don't know why that is. We're gonna find out. 1:04:30.520 --> 1:04:32.840 His name is Brian Cross. Brian lives in the realm 1:04:32.880 --> 1:04:36.400 of SMS messaging and he is one of the guys 1:04:37.200 --> 1:04:39.720 who follows this stuff on a very very close basis. 1:04:39.920 --> 1:04:43.280 And I guess, Brian, I've always said this, first of all, welcome. Secondly, 1:04:43.440 --> 1:04:45.960 if we didn't respond to the spam and the scams, 1:04:46.160 --> 1:04:48.720 they wouldn't send us as much stuff. It's our fault 1:04:48.760 --> 1:04:51.080 because clearly there are people who love junk mail. 1:04:52.320 --> 1:04:55.880 You know, That's exactly it. There's there's always the complaint 1:04:55.920 --> 1:04:59.360 of junk mail in the mailbox, and you know, the 1:04:59.560 --> 1:05:01.840 response always the junk maan would go away if it 1:05:01.880 --> 1:05:06.440 didn't work. These marketers have budgets and they've got ROI 1:05:06.600 --> 1:05:10.400 numbers to hit, and if a tactic isn't working, they're 1:05:10.400 --> 1:05:13.600 the first to stop it. So these things keep coming 1:05:13.880 --> 1:05:15.880 because they make money. 1:05:16.520 --> 1:05:19.360 It's an interesting study though, too, because I'm trying to 1:05:19.360 --> 1:05:21.600 think ten thousand ads a day. Do you think that 1:05:21.720 --> 1:05:23.800 is six to ten thousand ads a day is with 1:05:23.880 --> 1:05:27.080 the typical person faces And you're like, I don't really 1:05:27.120 --> 1:05:29.480 see that many. Well, I guess if you included billboards 1:05:29.480 --> 1:05:32.520 and radio and television typical broadcast, but then factor in 1:05:33.000 --> 1:05:37.120 you know, email, product placement, text messaging, things like that, 1:05:37.720 --> 1:05:39.840 maybe you're getting close to that mark. But that seems 1:05:39.840 --> 1:05:41.120 softly high. 1:05:41.480 --> 1:05:44.760 Ten thousand seems very high. I've you know, I've heard 1:05:44.760 --> 1:05:47.880 that number in terms of pieces of information things that 1:05:47.960 --> 1:05:52.840 we see, but an actual advert something like that, that 1:05:53.280 --> 1:05:55.160 does seem a bit high. 1:05:55.200 --> 1:05:57.040 Well, there's no doubt about it. You know, most people 1:05:57.120 --> 1:05:58.840 don't like this. I guess it would be that one 1:05:58.920 --> 1:06:02.520 third of consumers in the service, if sixty six percent 1:06:02.560 --> 1:06:04.920 surveyed said they want fewer marketing messages. That means a 1:06:05.000 --> 1:06:07.480 third are fine with them out there getting or don't 1:06:07.520 --> 1:06:11.280 think they're getting enough, which is driving this whole problem. 1:06:11.440 --> 1:06:14.480 Yeah, I'd be curious to break that one down. I've 1:06:14.840 --> 1:06:17.440 none of those people are saying I need more. 1:06:18.200 --> 1:06:21.880 But well, somebody is responding or clicking on this. I 1:06:21.880 --> 1:06:24.240 mean that's the thing with social anyway. If you click, 1:06:24.280 --> 1:06:27.960 even accidentally on something, that algorithm is going to force 1:06:28.000 --> 1:06:30.480 more of that type of product to your device. And 1:06:30.520 --> 1:06:32.280 not only that, it's also going to show them, hey, 1:06:32.320 --> 1:06:34.600 we've got to click through here, So that encourages more 1:06:34.600 --> 1:06:36.720 of the bad behavior it does. 1:06:36.840 --> 1:06:41.120 It does, and marketers have this thing. There's many different 1:06:41.160 --> 1:06:44.320 ways called three sixty cults around, sound caught, whatever, but 1:06:44.760 --> 1:06:48.040 they're basically starting from a point where they say, hey, 1:06:48.400 --> 1:06:51.640 if you know, there's there's information that says the average 1:06:51.640 --> 1:06:56.280 consumer makes the buying decision after being touched at least 1:06:56.400 --> 1:06:58.600 seven to twelve times, and there I think with gen 1:06:58.760 --> 1:07:01.720 why now I think that jumps up to like twenty, 1:07:01.880 --> 1:07:03.920 So it means I got to talk to you, you 1:07:03.920 --> 1:07:06.920 have to see something from me at least seven or 1:07:06.960 --> 1:07:10.680 eight times before you even start thinking of buying my products. 1:07:10.720 --> 1:07:14.160 So the three sixty the surround sound. You know, you think, okay, 1:07:15.080 --> 1:07:17.200 I need to surround the consumer. I need to touch 1:07:17.200 --> 1:07:21.080 you with its you know, TV radio, out of home Internet, 1:07:21.160 --> 1:07:24.000 where do you go like text message there. That's that's 1:07:24.080 --> 1:07:27.400 why we're seeing all of this because you know it's 1:07:27.440 --> 1:07:30.960 sort of I guess exasperates it, right, It's it's okay, 1:07:31.040 --> 1:07:34.200 if Jen why is twenty hits? You know this is 1:07:34.280 --> 1:07:36.440 gen Z going to be thirty five hits. So if 1:07:36.880 --> 1:07:39.560 the science so that have to touch you that many times, 1:07:40.360 --> 1:07:42.680 that's probably going to increase the amount of advertising you 1:07:42.720 --> 1:07:45.080 see from every brand that is out there. 1:07:45.480 --> 1:07:50.040 Yeah, because in order to I guess overwhelm your senses 1:07:50.080 --> 1:07:51.800 to put that to the top of your feed, so 1:07:51.880 --> 1:07:53.880 to speak, you've got to hit people more with your 1:07:53.880 --> 1:07:55.480 message in order to get through it. 1:07:56.600 --> 1:08:01.040 You do. Now, that's that's one theory, right. So you 1:08:01.040 --> 1:08:03.320 know there's there's there's lots to talk to you know, 1:08:03.720 --> 1:08:07.080 disruption and differentiation and things like that. You know, I mean, 1:08:07.200 --> 1:08:09.920 every everybody, every marketing school as a slide where you 1:08:09.960 --> 1:08:13.400 see like, you know, all these advertising you know, usually 1:08:13.440 --> 1:08:15.560 like in Times Square or something like that, but I 1:08:15.560 --> 1:08:19.360 mean you see billboard over billboard over billboard over billboard 1:08:19.360 --> 1:08:21.360 and things like that, and you're taught, Okay, you have 1:08:21.400 --> 1:08:26.760 to differentiate from this. Well, everyone's differentiating with quantity. But 1:08:27.000 --> 1:08:30.280 one of the things that kind of has been going away. 1:08:30.680 --> 1:08:33.120 You think I would say quality, right, so you can 1:08:33.320 --> 1:08:38.320 combat quantity. You do quality well, generally quality is a 1:08:38.360 --> 1:08:42.320 subjective term, but basically you know some sort of creativity, 1:08:42.360 --> 1:08:44.879 some sort of risker reward. One of the other problems 1:08:44.920 --> 1:08:49.200 that we have in marketing is not just the number, 1:08:49.600 --> 1:08:53.000 the sheer number of it, but everyone's doing the same thing. 1:08:53.200 --> 1:08:56.040 They all blend together. The reason why it takes eighteen hits, 1:08:56.080 --> 1:08:58.679 twenty hits whatever to find somebody is because they all 1:08:58.680 --> 1:09:01.720 look the same. Everybody is afraid of losing their job. 1:09:01.840 --> 1:09:04.600 CMO have this what I think it's sounded like an 1:09:04.640 --> 1:09:08.479 eighteen month average tenure at their company. So everybody's following 1:09:08.520 --> 1:09:12.040 the data trends. Everybody's following, you know, the best practices. 1:09:12.120 --> 1:09:15.200 Everybody's playing it safe. Well, the thing is is if 1:09:15.240 --> 1:09:17.400 you go down to the base core of marketing, it 1:09:17.600 --> 1:09:20.080 is to differentiate. So if you look like your competitor 1:09:20.080 --> 1:09:22.639 and everyone's doing the same thing and doing what data 1:09:22.680 --> 1:09:25.640 tells you to do, or gosh. Now, whatever the aipot 1:09:25.720 --> 1:09:29.200 tells you to do, you look the same. You're not differentiating. 1:09:29.320 --> 1:09:31.920 Quite frankly, you're not doing your job. And I think 1:09:31.960 --> 1:09:35.200 that that's why the majority of all this marketing that 1:09:35.240 --> 1:09:38.880 you're seeing is useless, because it's terrible. It's not the 1:09:38.920 --> 1:09:39.360 right stuff. 1:09:39.400 --> 1:09:41.800 Yeah, it's retally interesting. I mean, you know, having some 1:09:41.880 --> 1:09:44.479 experience in this to Brian and not certainly your level, 1:09:44.479 --> 1:09:47.880 but you know you watch I don't know, streaming or 1:09:48.600 --> 1:09:50.960 a regular broadcast television, let's say, because you know I 1:09:50.960 --> 1:09:53.479 get the the visual. Two is you know every car 1:09:53.560 --> 1:09:55.640 ad looks the same. And I always joke about it, 1:09:55.720 --> 1:09:58.000 is I just listen. I just need this suv or 1:09:58.000 --> 1:10:01.360 this truck to get me through the potholes in Cincinnati. 1:10:01.400 --> 1:10:04.519 I'm not driving up a mountain. I'm not towing the 1:10:04.600 --> 1:10:06.800 Queen Mary, I'm not trying to pull I don't know, 1:10:06.880 --> 1:10:09.320 some sort of it looks like a giant steel cover 1:10:09.520 --> 1:10:12.719 over the top of a nuclear missile silo or something, 1:10:12.720 --> 1:10:15.200 all right, And no one is driving their truck like that. 1:10:15.360 --> 1:10:18.160 And you know there's a new one the rendering the 1:10:18.160 --> 1:10:20.479 super Bowl, the Jeep one where there's a charging station 1:10:20.600 --> 1:10:23.920 on top of a Mountain. Yeah, no one's doing that. 1:10:24.120 --> 1:10:27.559 So but that's to your point, right, is that somebody 1:10:27.560 --> 1:10:29.320 will come up with that idea and everyone will rush 1:10:29.320 --> 1:10:31.960 to copy. We've seen I think the diversity thing in 1:10:32.560 --> 1:10:35.720 TV and also broadcast too, right, is if you look 1:10:35.720 --> 1:10:40.400 at your typical ad now, they're really I think I 1:10:40.800 --> 1:10:42.439 think a lot of these says are more diverse than 1:10:42.479 --> 1:10:45.080 what the that's reflective of the general population. I know 1:10:45.160 --> 1:10:47.880 someone may take that in a Dilbert kind of wrong way, 1:10:47.920 --> 1:10:50.000 but that's what I'm saying is you just have this 1:10:50.120 --> 1:10:52.280 rush to imitate that going Okay, well we need a 1:10:52.360 --> 1:10:53.960 lot more diversity, or we need a lot more of 1:10:53.960 --> 1:10:56.680 these the same thing over and over and over, and 1:10:56.680 --> 1:10:58.360 you just beat the you just beat it to death. 1:11:00.280 --> 1:11:03.719 We're taught about authenticity, and we're taught about you know, hey, 1:11:03.840 --> 1:11:06.639 if if you really want to consumers to pay attention 1:11:06.680 --> 1:11:09.960 to advertising, it needs to provide value. And and a 1:11:10.000 --> 1:11:11.559 lot of people scratch their head and they're like, how 1:11:11.560 --> 1:11:14.960 does it. How does the advertise that provide value? And sure, 1:11:15.000 --> 1:11:16.960 you can do things like hey, here's a you know, 1:11:17.080 --> 1:11:20.400 here's a recipe for my you know, liquor brand or 1:11:20.400 --> 1:11:23.679 whatever that provides value, but you know what what struck 1:11:23.760 --> 1:11:25.760 me is is when you were talking about driving the 1:11:25.800 --> 1:11:29.599 potholes of Cincinnati, and I was thinking about you know, 1:11:29.960 --> 1:11:33.360 if you think about a pizza commercial, right, every pizza 1:11:33.360 --> 1:11:36.240 commercial is a slice of pizza being pulled away from 1:11:36.280 --> 1:11:42.160 the main pie with this long the cheese pull. So 1:11:42.280 --> 1:11:44.439 that that's what all these marketers are rushing to. But 1:11:44.520 --> 1:11:46.679 there was a key study and a few years ago 1:11:47.360 --> 1:11:51.439 where Dominoes basically went and and and and put these 1:11:51.479 --> 1:11:54.280 trucks out on the street. You know, obviously branded them 1:11:54.320 --> 1:11:56.960 Domino and it was Balos and they were going through 1:11:57.080 --> 1:12:00.360 and they were filling in the potholes of people's and 1:12:00.360 --> 1:12:02.479 people were like, what the heck is going on here? 1:12:02.680 --> 1:12:04.639 Then they had a cute little tie in about making 1:12:04.640 --> 1:12:07.000 it safer for the pizza if you live at you 1:12:07.080 --> 1:12:10.479 faster or whatnot. But they were filling potholes that the 1:12:10.640 --> 1:12:14.160 city wasn't. So you talk about providing value and breaking 1:12:14.200 --> 1:12:16.160 through clutter and having a bunch of people go, man, 1:12:16.240 --> 1:12:18.559 you know when you see Dominoes fixing that potle you 1:12:18.640 --> 1:12:21.320 hit every night coming over from work, you you go, 1:12:21.400 --> 1:12:24.160 oh that's different, and you remember it, well, it's. 1:12:24.040 --> 1:12:26.960 A new one. So speaking of Dominoes is the one 1:12:26.960 --> 1:12:29.759 that advertises that they're going to not an all electric, 1:12:29.800 --> 1:12:31.840 but they're converting a lot of their cars to electric now, 1:12:31.840 --> 1:12:33.640 and I'm not quite sure that trends. I get what 1:12:33.680 --> 1:12:35.439 they're doing, and that's trying to appeal to a younger, 1:12:36.320 --> 1:12:39.640 environmentally conscious consumer, but I don't know if that's the 1:12:39.720 --> 1:12:40.120 right play. 1:12:40.160 --> 1:12:40.280 You know. 1:12:40.280 --> 1:12:41.960 What I'm saying is like, Okay, well, I just want 1:12:42.000 --> 1:12:44.320 my pizza to get their hot and fresh. You know, 1:12:44.680 --> 1:12:47.479 I'm assuming that some drivers are electric and some aren't. 1:12:47.520 --> 1:12:49.360 But well, why is this why is this part of 1:12:49.360 --> 1:12:50.479 a national marketing campign? 1:12:51.240 --> 1:12:54.840 Yeah exactly. So, yeah, no, the you're trying to hear 1:12:54.880 --> 1:12:56.960 all the things, so that one obviously would be, hey, 1:12:57.040 --> 1:13:01.519 let's show that we're you know, conscious mean corporation destroying 1:13:01.520 --> 1:13:01.840 the plan. 1:13:02.320 --> 1:13:02.439 Right. 1:13:02.520 --> 1:13:05.120 So Brian crossing the show. He's a marketing expert with 1:13:05.240 --> 1:13:07.960 Elasticity his name of his agency, and we're talking about 1:13:07.960 --> 1:13:10.519 a new study coming out two thirds of consumers want 1:13:10.560 --> 1:13:13.840 fewer marketing messages. Well know, duh, we're just we're inundated 1:13:13.880 --> 1:13:16.800 all the time, and it's working because there's a percentage 1:13:16.840 --> 1:13:20.760 that that will click and go through and actually use 1:13:20.800 --> 1:13:23.040 the product or service, and that'll drive more of this 1:13:23.080 --> 1:13:25.200 stuff too. And you know the one I thought would 1:13:25.280 --> 1:13:27.599 die by now, and I just thought this morning, the 1:13:27.720 --> 1:13:31.280 free newspaper. I live in suburbia, proud suburbanite, where once 1:13:31.320 --> 1:13:34.040 a week someone will drive through and throw a I 1:13:34.120 --> 1:13:36.800 don't know, some newspaper thin It's just like a big 1:13:36.840 --> 1:13:39.519 ad section in my driveway and a bag plastic bag, 1:13:39.520 --> 1:13:41.639 which I then promptly pick up and throw on my recycling. 1:13:41.640 --> 1:13:44.439 And I do this exercise every week. I'm surprised that's 1:13:44.479 --> 1:13:45.360 still around. 1:13:46.240 --> 1:13:48.800 You know. It's it's the exact same thing as the 1:13:48.840 --> 1:13:51.400 direct mail. There is a lot, you know. One of 1:13:51.439 --> 1:13:53.200 the things that we do when we bring you know, 1:13:53.920 --> 1:13:57.960 you know, new teammates on, you know, the younger employees 1:13:58.040 --> 1:13:59.720 right out of college and whatnot, we take them and 1:14:00.200 --> 1:14:04.600 sit them in focus groups. And what's interesting is is 1:14:05.040 --> 1:14:08.080 they go through school and and even you know, early 1:14:08.200 --> 1:14:11.120 two three, four years in the industry, they come out 1:14:11.479 --> 1:14:13.840 in this bubble thinking everybody does what they do, that's 1:14:13.920 --> 1:14:16.439 that the entire country is like them. And they stick 1:14:16.479 --> 1:14:20.840 them in in a focus group and they just scratch 1:14:20.920 --> 1:14:23.120 their head. They're like what, and we're like, yeah, these 1:14:23.120 --> 1:14:25.600 are the people you're marketing to this is this is 1:14:25.640 --> 1:14:27.800 what you need to think of. Like not everybody went 1:14:27.920 --> 1:14:32.439 to designed school and thinks exactly like, so no for 1:14:32.439 --> 1:14:34.639 for everyone. And I do the exact same thing, right, 1:14:34.680 --> 1:14:36.559 I take it, I lean over, I pick it up, 1:14:36.600 --> 1:14:39.280 I put it right into that trash can. But again, 1:14:39.360 --> 1:14:42.840 it's the same thing these newspapers. You know, it takes 1:14:42.960 --> 1:14:46.720 money for them to you know, write it, print it, 1:14:47.160 --> 1:14:49.600 produce it, stick it in the wrappers, stick it on 1:14:49.720 --> 1:14:51.880 a van, have that van drive around at four a m. 1:14:52.080 --> 1:14:54.120 Throw it around. That all takes money. And I mean 1:14:54.120 --> 1:14:56.800 they're not doing that just to burn money. They're doing 1:14:56.800 --> 1:15:01.400 it because the advertising and the things that paper made 1:15:01.439 --> 1:15:04.080 for all of that to happen. So there are enough 1:15:04.080 --> 1:15:06.599 people that don't throw it away, that do pick it up, 1:15:06.640 --> 1:15:09.240 that love it, and they're like, I want the local news. 1:15:09.240 --> 1:15:10.760 This is way better than what I get on the 1:15:10.840 --> 1:15:12.599 national CNN, Like I need to know. 1:15:12.760 --> 1:15:16.519 Yeah, this is a bad of ads, a bag of ads. 1:15:16.360 --> 1:15:18.360 It's not even like a paper, Yeah, it's just ads. 1:15:18.360 --> 1:15:20.800 I'm like, well, now I'm going to kick it out 1:15:20.800 --> 1:15:22.960 of the plastic wrap, and somebody's looking, and of course 1:15:22.960 --> 1:15:25.840 the ones in your mailbox, and I've got a I 1:15:25.840 --> 1:15:29.160 think it's a gutter or windows or something. Every week 1:15:29.200 --> 1:15:31.080 they send me something, I'm like, wow, that is an 1:15:31.080 --> 1:15:33.479 incredible a lout of money in markup that you have 1:15:33.520 --> 1:15:35.160 to add to the cost of your product in order 1:15:35.200 --> 1:15:38.080 to send me these unwanted messages. And it's a lot 1:15:38.080 --> 1:15:40.679 easier to just bombard people with the email. And that's 1:15:40.720 --> 1:15:43.360 the new frontier, right Brian. And maybe not that new, 1:15:43.400 --> 1:15:46.640 but texting now I get probably three or four day now, 1:15:46.640 --> 1:15:48.320 and I'm guessing that number is going to grow in 1:15:48.360 --> 1:15:49.080 the near future. 1:15:50.479 --> 1:15:54.120 It will until the numbers change. So again everything is 1:15:54.560 --> 1:15:56.840 when I talk about data driven, some of the data 1:15:56.920 --> 1:15:59.400 is good. So you know, we now know that hey 1:15:59.439 --> 1:16:03.759 if I it out through email, if if five percent 1:16:03.880 --> 1:16:07.439 opened my email, then man, I did good. Ninety percent 1:16:07.680 --> 1:16:11.920 of people with with phones they can't have an unread 1:16:11.960 --> 1:16:14.519 text message like like like if they get a text message, 1:16:14.520 --> 1:16:18.160 they have to read it. It's just it's behavior, whereas 1:16:18.160 --> 1:16:21.040 people are used to having these big, full fat you know, 1:16:21.120 --> 1:16:25.120 email and sys of unread things. So if you if 1:16:25.120 --> 1:16:27.960 someone comes and says, hey, if I send a text message, 1:16:27.960 --> 1:16:30.720 I have a ninety percent chance of them opening it. Well, 1:16:30.720 --> 1:16:33.439 I'm going to use the text message channel until that 1:16:33.439 --> 1:16:36.559 that that stat changes and that stack comes back to hey, 1:16:36.680 --> 1:16:40.479 most text messages are you know, getting bound, getting blocked, 1:16:40.560 --> 1:16:44.280 aren't being read. Then they'll start changing their tactics. So yeah, 1:16:44.320 --> 1:16:46.960 that number will go up as long as the stats 1:16:47.000 --> 1:16:48.120 are people read them. 1:16:48.240 --> 1:16:50.559 Yeah, your little balloon pops up says you know, one, two, three, 1:16:50.600 --> 1:16:52.880 or four messages and you click on it like other ads, 1:16:52.880 --> 1:16:54.400 but you click on it to get rid of that. 1:16:55.280 --> 1:16:57.360 Then the alert that tells you how many there are. 1:16:57.520 --> 1:16:59.960 I think the phone companies are going to start figuring 1:17:00.040 --> 1:17:01.840 that out pretty soon is a way to work around that. 1:17:01.880 --> 1:17:04.320 And then in addition, and we have the eight hundred 1:17:04.320 --> 1:17:07.320 pound gorilla, which is always and has been now the 1:17:07.439 --> 1:17:09.439 automated robo calls. 1:17:09.520 --> 1:17:12.680 Right, yeah, uh, there there's a there's an article. I 1:17:12.680 --> 1:17:15.080 wish I would have researched this, and I know where 1:17:15.120 --> 1:17:16.519 to go this way, but I was one of my 1:17:16.560 --> 1:17:19.599 favorite articles I've read, and I'd say the last moth 1:17:19.840 --> 1:17:23.080 was a guy there was They were interviewing a man 1:17:23.479 --> 1:17:26.160 who you know, because robo calls are illegal now and 1:17:26.320 --> 1:17:28.080 with fines of up to I think some of my 1:17:28.160 --> 1:17:31.720 fifty thousand per you know instance or something. He's he's 1:17:31.720 --> 1:17:35.519 made a side business of using that that that law 1:17:35.560 --> 1:17:37.920 because these robo calls is aren't following the law. So 1:17:38.160 --> 1:17:40.080 you know he's talking about you know, it's a job 1:17:40.200 --> 1:17:43.439 like it takes persistence and running papers and knowing the process, 1:17:43.479 --> 1:17:46.080 all these things. But apparently this guy makes like something 1:17:46.120 --> 1:17:50.120 like twenty twenty five thousand dollars a month in following 1:17:50.200 --> 1:17:54.960 up in charging the robo calls that are breaking the laws. 1:17:55.240 --> 1:17:56.640 Yeah, we all want to figure out a way to 1:17:56.640 --> 1:18:00.000 streamline that. I get that people continue. I think lonely people. 1:18:00.040 --> 1:18:03.280 We just want to talk to somebody when the telemarketers call, 1:18:03.320 --> 1:18:06.680 which is a sad indictment of our society, but it 1:18:06.760 --> 1:18:08.120 kind of ruins for the rest of us. So that's 1:18:08.160 --> 1:18:11.840 a getting texted and inundated with all these things. And 1:18:12.040 --> 1:18:15.000 then finally too, I look at this and go at 1:18:15.040 --> 1:18:17.679 some point, you know, all these cold and personal marketing 1:18:17.720 --> 1:18:19.920 messages you get get deleted. They're gonna have to fine 1:18:19.920 --> 1:18:21.719 tune that, aren't they. I mean, you mentioned the onset 1:18:21.800 --> 1:18:25.639 of this thing, Brian, that it's it's the different stuff 1:18:25.640 --> 1:18:27.559 that cuts through the clutter. Be a difference maker, make 1:18:27.600 --> 1:18:29.439 a change and don't do the same old, same hold 1:18:29.479 --> 1:18:31.080 but a lot of these are the same old, samehold 1:18:31.320 --> 1:18:33.759 that are getting I don't know, I guess marginal results. 1:18:33.760 --> 1:18:37.559 So it'll continue, it will and and that's the fine 1:18:37.560 --> 1:18:41.040 line though, right you said the cold and in personal 1:18:41.080 --> 1:18:44.519 conversation are the marketing message. Well, if you slip over 1:18:44.560 --> 1:18:47.840 the other side, you know, you know, marketing has the 1:18:47.960 --> 1:18:50.679 data and the ability to you know, say, hey, Scott, 1:18:50.760 --> 1:18:54.160 saw you just bought a glass of red wine at 1:18:54.160 --> 1:18:57.640 dinner last night. Hey, we were selling bread wine. And 1:18:58.240 --> 1:19:00.280 on that line, you have that that creepy like whoa 1:19:00.400 --> 1:19:02.479 wait a second, how do you know my name and 1:19:02.520 --> 1:19:05.280 what I bought what not. You're always trying to kind 1:19:05.280 --> 1:19:08.160 of thread that needle of how do I make it 1:19:08.200 --> 1:19:12.599 important to you and personalize to you? So that's not cold, 1:19:12.600 --> 1:19:14.800 but not like hey, creepy, you were tracking you a 1:19:14.840 --> 1:19:17.599 big brother kind of thing. So it's definitely a fine 1:19:17.600 --> 1:19:18.400 line to walk there. 1:19:18.520 --> 1:19:20.679 He is Brian Cross on the Scott Sloan Show this morning. 1:19:21.080 --> 1:19:24.280 Text marketing expert or communication expert. I guess the stuff 1:19:24.280 --> 1:19:27.840 that annoys you, Brian, with the news that Ohio leads 1:19:27.880 --> 1:19:31.840 the country when it comes to spam scam communications. I 1:19:31.840 --> 1:19:34.360 don't know why we're getting hit, maybe because so many 1:19:34.360 --> 1:19:36.960 Ohioans apparently like getting that kind of stuff and react 1:19:37.000 --> 1:19:39.160 to it all the best. Thanks again for joining the show. 1:19:39.439 --> 1:19:41.400 Well, I appreciate you having me. Thank you Mary. 1:19:41.479 --> 1:19:43.360 Christmas buddy, have a great holiday. Got to get to 1:19:43.400 --> 1:19:46.599 a news update, traffic, weather, all that and what lies 1:19:46.640 --> 1:19:49.760 ahead is Christmas here twenty twenty five. Hopefully I have 1:19:49.760 --> 1:19:51.639 some good time to sit down and relax and enjoy 1:19:51.640 --> 1:19:55.360 your holiday. Scott's Loan Show seven hundred w WELW Money Money, 1:19:55.479 --> 1:19:58.519 Scott's Sloan Show on seven hundred WLW. Not too many 1:19:58.520 --> 1:20:01.960 more of these left and the show. But Bengals football. 1:20:02.000 --> 1:20:05.760 Following last week's shutout embarrassment by Baltimore, the Bengals end 1:20:05.800 --> 1:20:08.400 a two games stead. They're up to what five and 1:20:08.479 --> 1:20:11.479 ten now, of course out of the playoffs. The team 1:20:11.560 --> 1:20:14.920 is healthy, they look dominant. They look pretty good for 1:20:15.000 --> 1:20:17.759 most of this game. James Rapeat is here with Bengals 1:20:17.840 --> 1:20:20.240 Talk dot Com and the Sports Illustrative of course and 1:20:20.439 --> 1:20:25.479 Lockdown Bengals Podcast. James, welcome, How are you. I'm doing well. 1:20:25.479 --> 1:20:28.600 I'm doing well. They look pretty good yesterday. As I 1:20:28.640 --> 1:20:30.760 said healthy. You know when they're healthy when you get 1:20:30.760 --> 1:20:33.240 tea and you get Jami Joe together, magic things happen. 1:20:34.320 --> 1:20:36.120 And if you looked at that, certainly you could always 1:20:36.160 --> 1:20:38.280 do the what if game? Uh, you know, if they 1:20:38.320 --> 1:20:40.840 stayed healthy this season? What now? Okay, Well that that 1:20:40.880 --> 1:20:44.280 didn't happen obviously, although I look at this and go, 1:20:44.320 --> 1:20:47.120 I've seen this movie before in previous lives, James and 1:20:47.160 --> 1:20:49.120 you have as well. In that the Bengals going they 1:20:49.160 --> 1:20:51.599 beat Baltimore and then they went out, let's say, their 1:20:51.680 --> 1:20:53.160 last two games, and now we're in a you know, 1:20:53.200 --> 1:20:54.680 we're on a three game heater right now. 1:20:54.720 --> 1:20:55.000 Great. 1:20:55.439 --> 1:20:58.920 What scares me about that is front office looks at 1:20:58.920 --> 1:21:02.719 it and goes, We're fine, everything's good. We've done that before. 1:21:02.760 --> 1:21:05.040 We've done that in previous seasons. Why would this time 1:21:05.080 --> 1:21:05.519 be different. 1:21:07.080 --> 1:21:09.719 I don't know that it is. And you're right, that's 1:21:11.000 --> 1:21:14.360 the scary part because what they may say is, oh, 1:21:14.400 --> 1:21:18.479 we're born too with healthy Joe, and we've found a 1:21:18.520 --> 1:21:21.880 way to build the momentum, and that momentum can carry 1:21:21.880 --> 1:21:24.599 into the offseason, which is completely fallow now. I think 1:21:24.640 --> 1:21:28.800 specific players can build momentum for themselves. Teams don't carry 1:21:28.840 --> 1:21:31.960 momentum to it from one year to another. It's not 1:21:31.960 --> 1:21:36.479 how it works. And so yeah, I think that is 1:21:36.520 --> 1:21:40.559 the major concern in the thought yesterday as we're starting 1:21:40.560 --> 1:21:43.479 to wrap the Dolphins and then you see the schedule 1:21:43.520 --> 1:21:46.519 and it's the Cardinals and the Browns who are both 1:21:46.600 --> 1:21:49.160 really bad and theoretically you should beat. 1:21:51.720 --> 1:21:54.200 Well, theoretically you should be able to be able to 1:21:54.240 --> 1:21:57.280 beat them. But again, let's just say they do. What 1:21:57.960 --> 1:21:59.640 changes then in the mind. 1:21:59.400 --> 1:22:05.160 Of the Blackburn I don't know if there's let's start big, 1:22:05.320 --> 1:22:07.519 big picture. I don't think Duke Tobin and Zach Taylor, 1:22:07.560 --> 1:22:11.439 I don't think that that is happening. And you go 1:22:11.560 --> 1:22:15.760 beyond that. Al Golden, the defensive coordinator. Yeah, his first 1:22:15.840 --> 1:22:17.800 year and they've had an up and down year, but 1:22:17.840 --> 1:22:21.280 that Zach Taylor Scott and I know he believes in 1:22:21.360 --> 1:22:24.280 now and so for keeping Zach, I always thought you're 1:22:24.360 --> 1:22:27.120 keeping up, and so I don't think that they're going 1:22:27.200 --> 1:22:30.120 to let out go. And so then what change do 1:22:30.160 --> 1:22:34.120 you want, like what major changes? You know, maybe you're saying, 1:22:34.160 --> 1:22:36.599 all right, you want them to add more scouts, which 1:22:37.000 --> 1:22:39.360 sounds great to me, or you want them to do 1:22:39.479 --> 1:22:43.519 organizational structural changes like that, and maybe some of that 1:22:43.560 --> 1:22:46.439 could happen. But from a coaching staff standpoint or a 1:22:46.520 --> 1:22:49.599 Duke Tobin standpoint, which those are the two areas that 1:22:49.640 --> 1:22:53.400 fans are frustrated with and calling for change. I just 1:22:53.400 --> 1:22:55.559 don't think you're going to see it, because you're right. 1:22:55.600 --> 1:22:58.360 I think they have a good shot to win these 1:22:58.360 --> 1:23:00.519 next two games, and even if they split that, I 1:23:00.560 --> 1:23:02.519 don't think Zach Taylor was necessarily in danger. 1:23:04.040 --> 1:23:05.840 I don't see that either, simply because they don't like 1:23:05.880 --> 1:23:07.680 to pay someone for not playing for them or not 1:23:07.760 --> 1:23:10.000 working for them mean part of the organization. They're extremely 1:23:10.080 --> 1:23:13.080 loyal to a fault, and I contend you knowose people. 1:23:13.120 --> 1:23:17.519 There's billboards up fire, Duke fire Zach. Okay, great, you 1:23:17.520 --> 1:23:19.800 could bring in I don't know. You could bring Bill 1:23:19.840 --> 1:23:22.240 Belichick in, You could bring Bill Cower in, You could 1:23:22.240 --> 1:23:25.080 bring in George Hallis. You can bring in Hall of 1:23:25.080 --> 1:23:28.280 Fame coaches if you want to. But the problem, to 1:23:28.320 --> 1:23:31.760 me and I think most fans, it's above them. It 1:23:31.800 --> 1:23:34.599 doesn't matter the coaching, it's the front office. And yeah, 1:23:34.640 --> 1:23:36.800 you've added more pieces to your scouting staff. Still, the 1:23:36.800 --> 1:23:41.519 smalle Cy NFL, they tend to be a pound foolish 1:23:41.560 --> 1:23:45.320 penny wise. But unless that attitude changes, it really doesn't 1:23:45.360 --> 1:23:47.280 matter who the coach and GM are. I mean, could 1:23:47.320 --> 1:23:49.120 Duke Tobin do his job if he had more tools? 1:23:49.120 --> 1:23:52.160 He says no. But like Zach being the spokesperson for 1:23:52.200 --> 1:23:56.160 the entire organization, if it continues to be that way, 1:23:56.240 --> 1:23:58.080 it doesn't really matter who you bring in. Am I right? 1:24:00.640 --> 1:24:03.320 I think to a degree, yeah, I think to a degree. 1:24:03.439 --> 1:24:08.080 It's at the same time I do things that certain 1:24:08.120 --> 1:24:11.439 things could change and matter, And the identity of the 1:24:11.520 --> 1:24:15.960 team and the players is as much as you put 1:24:15.960 --> 1:24:18.040 it on ownership, it certainly would be the head coach 1:24:18.080 --> 1:24:21.200 and you take the identity, and I think Zach would say, hey, 1:24:22.280 --> 1:24:25.280 we know what we need to do to get back 1:24:25.479 --> 1:24:27.679 to where we need to go. And I don't think 1:24:27.720 --> 1:24:30.840 they feel like that they're internally that they're super far 1:24:30.880 --> 1:24:34.320 off from doing that. Obviously part of that is Joe's health. 1:24:34.920 --> 1:24:37.160 But what I would say is you need to be 1:24:37.240 --> 1:24:39.120 able to find a way where Joe Burrow misses nine 1:24:39.160 --> 1:24:42.120 teams that the season doesn't just go completely down the drains. Yeah, 1:24:42.160 --> 1:24:44.840 And they would push back and say, well, that's our 1:24:44.880 --> 1:24:46.920 franchise quarterback, and it's really hard to win without your 1:24:46.920 --> 1:24:49.519 franchise quarter Fine, I am not saying it's not hard 1:24:49.880 --> 1:24:52.400 hard to win a super Bowl too, but that's the standard. 1:24:52.439 --> 1:24:57.200 And so yeah, I think the entire organization should be 1:24:57.240 --> 1:25:01.679 looking at itself right now because Joe Burrow had missed 1:25:01.680 --> 1:25:04.120 the playoffs for three straight years and that should be 1:25:04.200 --> 1:25:08.280 damn near impossible, and yet they pulled that off. And yeah, 1:25:08.600 --> 1:25:10.640 twenty twenty three was the one that I'll give them 1:25:10.640 --> 1:25:12.800 them all against for, but this year I don't, and 1:25:12.840 --> 1:25:14.400 certainly last year whinjo without the. 1:25:14.760 --> 1:25:16.200 Yeah it's a down or trae director, you know, the 1:25:16.600 --> 1:25:19.439 AFC Championship appearance of Super Bowl appearance wre awhile pass 1:25:19.479 --> 1:25:22.919 that after three seasons something monument has to change. Nonetheless, 1:25:22.960 --> 1:25:26.200 let's not overshadow we win yesterday against a division rival 1:25:26.200 --> 1:25:29.400 in the Baltimore Ravens or Baltimore is Baltimore the week 1:25:29.439 --> 1:25:32.600 before they got got destroyed by them and ending the 1:25:32.600 --> 1:25:35.799 two game skit obviously five and ten. Now for the Bengals, 1:25:35.800 --> 1:25:38.479 Dolphins are a terrible team. Two it gets benched in 1:25:38.520 --> 1:25:41.280 favor of a rookie. Bengals had a at third quarter 1:25:41.320 --> 1:25:44.160 was unbelievable. Three takeaways a fourth down stop in the 1:25:44.200 --> 1:25:47.439 third quarter set up the offense for the forty five 1:25:47.479 --> 1:25:49.880 to twenty one win Ki, And you know, I watch 1:25:49.960 --> 1:25:52.479 that game and I went, well, that was kind of 1:25:52.520 --> 1:25:54.920 an unremarkable first half. I mean, Bengals on the first 1:25:54.960 --> 1:25:57.080 drive in Miami with a fumble caused by Battle and 1:25:57.360 --> 1:25:59.880 Miles Murphy scoops the ball up. Barrett Carter in her 1:26:00.040 --> 1:26:02.200 have some of the Dolphins next drive. Dolphins had a 1:26:02.200 --> 1:26:04.040 lot of big plays in the first and somewhat in 1:26:04.080 --> 1:26:05.479 the second half against the Bengals. 1:26:07.160 --> 1:26:09.360 Yeah, and they did, and it did feel like at 1:26:09.360 --> 1:26:11.200 one point it was going to be a shootout. And 1:26:12.360 --> 1:26:14.439 the Bengals go down, they score and take a lead, 1:26:15.040 --> 1:26:19.120 and then Devin Chan has his huge run where Geno 1:26:19.280 --> 1:26:22.240 Stone and you mentioned we only have a few games 1:26:22.320 --> 1:26:24.880 left of this, we better have only a few games. 1:26:24.520 --> 1:26:30.040 I think the I mean he's right in front of 1:26:30.160 --> 1:26:32.280 Devin Chan and he doesn't even get a finger on no, 1:26:32.320 --> 1:26:35.960 I don't think, goes off and scores a really long 1:26:36.040 --> 1:26:38.240 touchdown and you're like, all right, well, this is going 1:26:38.280 --> 1:26:40.720 to be a shootout. And obviously the Dolphins took the 1:26:40.800 --> 1:26:45.360 lead later in the half, but this this defense, they 1:26:45.360 --> 1:26:49.280 were opportunistic and they force the fumble and then they 1:26:49.280 --> 1:26:51.800 bat the ball up and it gets intercepted. And that's 1:26:51.880 --> 1:26:55.680 usually what happens when you're facing a rookie quarterback, a 1:26:55.800 --> 1:26:58.400 late round rookie quarterback making its first start, is you 1:26:58.439 --> 1:27:01.280 can force a couple of turn on. So that's a 1:27:01.360 --> 1:27:03.639 game they should have won. When you have Joe Burrow 1:27:03.680 --> 1:27:05.240 and you have Jamar and t and you have your 1:27:05.240 --> 1:27:08.960 fallout and the weapons and a defense that has shown 1:27:09.560 --> 1:27:11.320 as bad as they've been this year, they've shown that 1:27:11.360 --> 1:27:16.439 they can force turnovers in tee times and they did that. 1:27:16.479 --> 1:27:18.479 I mean, it was a crazy third quarter where the 1:27:18.520 --> 1:27:20.280 game just completely gets away from Miami. Yeah. 1:27:20.280 --> 1:27:22.439 I've never seen a melt down well, I mean Bengals 1:27:22.520 --> 1:27:24.559 opponent melt down lock that. Bengals have had plenty of 1:27:24.560 --> 1:27:29.040 that these days. And for sure, oh my god, it's 1:27:29.040 --> 1:27:31.200 good to say another the other team, the opponent actually 1:27:31.240 --> 1:27:33.439 had that. App James Rapeen from Bengals Talk dot Com 1:27:33.439 --> 1:27:37.760 and Lockdown Bengals podcast, chopping up the win yesterday, get 1:27:37.840 --> 1:27:41.200 right game for the Bengals. Certainly it looked on weak spots. 1:27:41.200 --> 1:27:44.200 You mentioned Genostone. He and all intensive purpose should not 1:27:44.240 --> 1:27:45.800 be in the league now. He shouldn't be on the 1:27:45.800 --> 1:27:49.760 team next season. If you're to restructure that defense next year. 1:27:49.840 --> 1:27:53.639 Who stays? Who do you like? DJ Turner? Obviously, Miles 1:27:53.720 --> 1:27:58.120 Murphy has surprisingly turned his game around. Shamar Stewart. I 1:27:58.160 --> 1:28:00.360 think the sample size is a rookie is just too small. 1:28:00.400 --> 1:28:02.280 With the injuries and the holdout and all the other stuff. 1:28:02.280 --> 1:28:03.559 You got to give them a little bit of time. 1:28:04.040 --> 1:28:06.559 But other than that, can you think of people who 1:28:06.560 --> 1:28:09.800 would be necessary and vital to building around on the 1:28:09.800 --> 1:28:11.120 defense for twenty twenty six? 1:28:12.880 --> 1:28:17.839 Oh it's tough, Like right. 1:28:17.640 --> 1:28:18.400 I'll just go to it. 1:28:19.200 --> 1:28:21.360 It's such a short list because I think that they're 1:28:21.400 --> 1:28:23.400 going to build around their young linebackers. But I'm not 1:28:23.400 --> 1:28:25.640 sure those guys are going to start next year. I 1:28:25.680 --> 1:28:27.280 just think they have three years left on their deal. 1:28:27.680 --> 1:28:30.439 Miles Murphy, I think has become a building block piece, 1:28:30.880 --> 1:28:33.160 But that doesn't mean you don't need another edge rusher 1:28:33.240 --> 1:28:35.960 like you still do, right, And that's what's really tough 1:28:36.000 --> 1:28:38.880 here is outside of Corner, And I feel pretty good 1:28:38.880 --> 1:28:41.280 about Corner. I think Dax Zille and DJ Turner, he 1:28:41.360 --> 1:28:44.639 saw Jalen Davis, Benball, but Dak Vielle and DJ Corner 1:28:45.080 --> 1:28:47.959 DJ Turner, I think those are two real building blocks. 1:28:48.360 --> 1:28:50.360 Jordan Battle I think he can start for you in 1:28:50.400 --> 1:28:53.800 his final year of his rookie rookie deal. Gino Stone 1:28:53.840 --> 1:28:55.519 has played his way out of Cincinnati. I would not 1:28:56.120 --> 1:28:58.920 I wouldn't have him play on Sunday this week, to 1:28:58.960 --> 1:29:03.360 be honest with you, I would try to get a 1:29:03.400 --> 1:29:05.760 look at some of these young defensive linemen. Obviously, he 1:29:05.840 --> 1:29:07.760 tells Famar Stewart out there, you need to get him 1:29:07.800 --> 1:29:10.320 as many looks as you can, m Kimley Jackson, as 1:29:10.320 --> 1:29:12.479 many looks as you can, just to see if there's 1:29:12.479 --> 1:29:16.400 anything there. But you're talking about all three levels. You're 1:29:16.400 --> 1:29:19.040 going to need to invest in your defensive line room 1:29:19.320 --> 1:29:24.439 and tactical linebacker and safety. And you still can use 1:29:24.439 --> 1:29:27.640 another corner, There's no doubt about it. So there's a 1:29:27.640 --> 1:29:30.120 lot of work to be done in my mind, specifically 1:29:30.160 --> 1:29:33.160 in free agency where you go get proven talent that 1:29:33.560 --> 1:29:35.040 can fill some of those needs. 1:29:35.240 --> 1:29:37.600 Yeah, and they did have a quarter for sure. I 1:29:37.600 --> 1:29:40.600 mean at halftime, I'm watching them interview Zach Taylor for 1:29:40.640 --> 1:29:43.920 the three questions he gets, and one of is he 1:29:44.000 --> 1:29:46.040 responded saying, you know, if we could win the turnover 1:29:46.080 --> 1:29:49.719 battle and sure enough to go out and get four 1:29:50.040 --> 1:29:52.519 just in the third quarter, alone. That was absolutely remarkable. 1:29:52.560 --> 1:29:55.160 Talk about calling your shot on the other side of 1:29:55.160 --> 1:29:58.919 the ball. Though offensively, Joe Burrow had the worst performance 1:29:58.960 --> 1:30:01.799 of his career last week against Baltimore. This week twenty 1:30:01.800 --> 1:30:04.400 five or thirty two, three hundred nine yards, four tds. 1:30:04.960 --> 1:30:07.800 He has surpassed twenty thousand career passing yards and one 1:30:07.840 --> 1:30:11.240 hundred and fifty touchdown passes. And they pulled him after 1:30:11.280 --> 1:30:13.559 Cincinnati was up by thirty one. That's a great comeback 1:30:13.560 --> 1:30:15.160 game for QB one. 1:30:16.280 --> 1:30:21.559 Yeah, it is, it is, and he's that's what you expect. 1:30:21.800 --> 1:30:24.720 Like I went and I was thinking about it going 1:30:25.080 --> 1:30:27.160 into the game, and certainly when I was driving to 1:30:27.200 --> 1:30:29.000 the game, and I'm like, man, I think Joe's just 1:30:29.040 --> 1:30:31.800 gonna play really well to it. Yeah, Like it's it's 1:30:31.800 --> 1:30:35.680 study out, it's Miami, and it kind of resets you. 1:30:35.920 --> 1:30:37.800 And he's playing against the team that he should be 1:30:37.840 --> 1:30:41.599 able to dispect and bounce back against, and he did that. Now, 1:30:41.680 --> 1:30:44.120 he was aided by some short fields, but you look 1:30:44.200 --> 1:30:47.360 at it as one forty six and a half quarterback 1:30:47.400 --> 1:30:50.280 graating passer rating is the second best of his career, 1:30:50.840 --> 1:30:53.719 and the four touchdowns, it just seemed like he got 1:30:54.520 --> 1:30:57.400 whatever he needed to, and early on it was t Higgins, 1:30:57.720 --> 1:31:00.280 and then it evolved into Jamar Chase, and then it 1:31:00.360 --> 1:31:03.320 was Chase Brown and andre Yosabash made a big play, 1:31:03.560 --> 1:31:05.439 and Drew Sample made some big plays, and then it 1:31:05.439 --> 1:31:07.599 was Nike get sticky with the touchdown and he just 1:31:07.680 --> 1:31:09.960 was able to spread the ball out. And so I 1:31:10.880 --> 1:31:13.800 the one takeaway I had from yesterday from a Joe 1:31:13.800 --> 1:31:18.720 Burrow perspective is it was just, at least for me, 1:31:18.760 --> 1:31:20.879 if I was in the organization, it would just remind 1:31:20.960 --> 1:31:23.880 you how close you can be when you have a 1:31:23.960 --> 1:31:28.200 franchise quarterback and all star quarterback like that, and how 1:31:28.280 --> 1:31:31.080 desperate and bad you look when you don't. Yeah, And 1:31:31.120 --> 1:31:34.000 so to me it should remind them that they need 1:31:34.000 --> 1:31:37.320 to be very aggressive this offseason. But you know, I'm 1:31:37.320 --> 1:31:41.600 not damn and they're not me, right exactly exactly. 1:31:42.400 --> 1:31:45.839 Chase Brown twelve carries, sixty six yards then and a touchdown. 1:31:45.880 --> 1:31:48.400 By the way, as a receiver, just four catches forty 1:31:48.400 --> 1:31:52.320 three and two touchdowns. That was a huge performance by 1:31:52.320 --> 1:31:54.479 the feature back. What three of those scores came in 1:31:54.600 --> 1:31:57.160 just over I think seven minutes of game time. Those 1:31:57.200 --> 1:32:00.200 of us rushing and receiving scores and you see that, 1:32:00.240 --> 1:32:02.400 you go, wow, why can't we have that nice thing 1:32:02.439 --> 1:32:04.639 all the time? And then you know, next two games 1:32:04.680 --> 1:32:06.920 maybe he rushes for inal fifty yards. I just I 1:32:06.920 --> 1:32:07.679 can't figure it out. 1:32:09.439 --> 1:32:15.519 Yeah, it's it is tough. I'll say this. I think 1:32:16.240 --> 1:32:19.640 the past two weeks, the Buffalo game, I felt like 1:32:19.720 --> 1:32:24.000 it was all snow and that was the issue. Last week, 1:32:26.240 --> 1:32:28.200 the offense was just so bad it was hard for 1:32:28.240 --> 1:32:30.840 me to put it on Chase. But he definitely has 1:32:30.920 --> 1:32:32.840 shown the series well over the twel hundred yards from 1:32:32.840 --> 1:32:35.799 scrimmage that last year and at the end of last season, 1:32:35.840 --> 1:32:39.519 wasn't a fluke. I mean the juke he put on 1:32:39.600 --> 1:32:43.200 that Dolphins defender in the third quarter when it's seventeen 1:32:43.280 --> 1:32:46.880 fourteen after catching the ball out of the backfield and 1:32:47.160 --> 1:32:49.439 I use number twenty. I forget exactly what which Dolphin's 1:32:49.439 --> 1:32:52.919 depender was, but to score the touchdown like that's special, 1:32:52.960 --> 1:32:56.679 Like that's that's a really high level play. And we've 1:32:56.720 --> 1:32:58.519 seen that where he just continues to rack u one 1:32:58.560 --> 1:33:02.120 hundred plus yards from scrim to China from I do 1:33:02.200 --> 1:33:05.559 think he's a building block and it's gonna be interesting 1:33:05.560 --> 1:33:08.720 because he's going into a sports season and end of 1:33:08.760 --> 1:33:11.720 his rookie contract next year? Is that a guy they 1:33:11.720 --> 1:33:14.320 tried to get ahead of with a team friendly deal. 1:33:14.400 --> 1:33:16.599 Do they draft a running back instead? I know everyone's 1:33:16.640 --> 1:33:18.800 focused on the defense. They're gonna have to spend some 1:33:18.880 --> 1:33:22.880 draft butts on offense to either start building the replacements 1:33:22.920 --> 1:33:26.200 Andre Joselvashkaian last year, next season, you know, like they 1:33:26.840 --> 1:33:29.840 start to do that now, and and so I do 1:33:29.920 --> 1:33:32.120 wonder what they'll do with a guy like Chase Brown 1:33:32.200 --> 1:33:33.320 has clearly been productive. 1:33:34.120 --> 1:33:37.479 Yeah, James Rapine, We've got two games up, both home games, 1:33:37.520 --> 1:33:39.519 so the road trips are over way to end in Miami. 1:33:39.520 --> 1:33:41.760 Well of the sunshine. It's nice and maybe that was 1:33:41.800 --> 1:33:43.960 the happy juice that Joe Borroniti. You see some fight 1:33:44.040 --> 1:33:46.640 him and d to quit tripping and just focus on 1:33:46.680 --> 1:33:50.360 the game. Home games against Arizona, they're fighting for a spot. Cleveland, 1:33:50.439 --> 1:33:53.040 of course, is out of it, and there are many 1:33:53.080 --> 1:33:55.320 in Cincinnati, and I think some people, even in the 1:33:55.320 --> 1:33:58.000 media and influencers, that think the Bengals should tank it 1:33:58.720 --> 1:34:00.479 in order to get a better draft. I don't think 1:34:00.520 --> 1:34:02.880 football's ever worked that way, nor should it work that way. 1:34:02.920 --> 1:34:04.479 And not only that, even if you did and the 1:34:04.560 --> 1:34:06.920 lost three instead of one three. What does that move 1:34:06.960 --> 1:34:07.960 you up a couple spots. 1:34:09.840 --> 1:34:13.120 Yeah, if they lost yesterday, the eighth instead of ninth. Late. Now, 1:34:14.120 --> 1:34:16.479 if they win the next two, there's a decent chance 1:34:16.520 --> 1:34:20.360 that they they dropped to the twelfth, the fourteenth pick 1:34:21.000 --> 1:34:25.920 like in that range. I think is realistic to expect. 1:34:24.920 --> 1:34:30.080 I did it. I do. I think it's It's really 1:34:30.120 --> 1:34:32.200 tough because you want to see Joe Burrow play football, 1:34:32.560 --> 1:34:35.439 and if he plays like he did yesterday, then that 1:34:35.800 --> 1:34:39.840 you live with it. But at the same time, they 1:34:39.840 --> 1:34:44.120 do need talent, man, and the earlier you pick, it's 1:34:44.200 --> 1:34:46.479 not just the first round. The earlier you pick in 1:34:46.479 --> 1:34:48.360 the first round, the earlier you pick in the second 1:34:48.720 --> 1:34:54.519 fourth different And so that is I'm not telling fans 1:34:54.520 --> 1:34:56.120 that they need to worry about that or should worry 1:34:56.120 --> 1:34:58.679 about that, because that's not their job. That is my job. 1:34:58.960 --> 1:35:01.120 So I do think about it. The good news is 1:35:01.200 --> 1:35:04.519 is their draft position was completely unchanged. They went into 1:35:04.600 --> 1:35:08.240 yesterday picking ninth, they're still picking ninth. I think if 1:35:08.240 --> 1:35:10.360 they win the final two, they'll be in the uh 1:35:10.600 --> 1:35:12.719 the low double digit, somewhere in the ten to fourteen. 1:35:12.800 --> 1:35:15.800 RAS gotcham uh James rapine. Let's catch up off this 1:35:15.840 --> 1:35:18.639 week obviously, but double catch up and do a post 1:35:18.680 --> 1:35:20.160 mortem on the season. What do you say after that 1:35:20.200 --> 1:35:22.880 Cleveland home game? Yeah, but it's it's over. It's over. 1:35:22.920 --> 1:35:26.639 There is no postseason. Hey, Merry Christmas, buddy, enjoy your time. 1:35:26.479 --> 1:35:29.280 Off, Mary Christmas. Time off. 1:35:30.200 --> 1:35:32.680 You got time off? Come on, you show up, you 1:35:32.720 --> 1:35:34.679 watch a football game, you write a couple of words, 1:35:35.320 --> 1:35:37.800 that's like four hours. That's like seven hours of work coming. 1:35:39.640 --> 1:35:40.360 I'm off. 1:35:40.800 --> 1:35:44.240 There's no time YouTube, buddy, Thanks again, I appreciate you. 1:35:44.360 --> 1:35:48.640 Merry Christmas. James repeat, talk about just just diminishing what 1:35:48.680 --> 1:35:50.439 he does for a living. Got to get to news 1:35:50.439 --> 1:35:52.920 and Willie on the way. Scott Sloan Hope the Best 1:35:52.920 --> 1:35:54.960 Bengals covered seven hundred w ol thebody since now